The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,792
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,314
−HK$531/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,931
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,681
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,182
−HK$508/mo
Today · 4.125%
HK$19,690
baseline
▲ 0.50% · 4.625%
HK$20,728
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,380/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$637/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,717
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,417
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,018
−HK$610/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$24,873
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,508
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,240
−HK$743/mo
Today · 4.125%
HK$24,983
baseline
▲ 0.50% · 4.625%
HK$26,503
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,966/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,153
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,854
−HK$712/mo
Today · 4.125%
HK$27,566
baseline
▲ 0.50% · 4.625%
HK$29,019
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,132/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,225
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,165
−HK$955/mo
Today · 4.125%
HK$32,120
baseline
▲ 0.50% · 4.625%
HK$34,075
+HK$1,955/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,240/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,625
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,527
−HK$915/mo
Today · 4.125%
HK$35,442
baseline
▲ 0.50% · 4.625%
HK$37,310
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,884/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,919 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).