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$16,791
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$531/mo
Today · 4.125%
HK$17,844
baseline
▲ 0.50% · 4.625%
HK$18,930
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,688/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,680
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,181
−HK$508/mo
Today · 4.125%
HK$19,689
baseline
▲ 0.50% · 4.625%
HK$20,727
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,378/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,149
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$637/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$610/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,507
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,239
−HK$742/mo
Today · 4.125%
HK$24,981
baseline
▲ 0.50% · 4.625%
HK$26,501
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,962/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,152
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,853
−HK$712/mo
Today · 4.125%
HK$27,565
baseline
▲ 0.50% · 4.625%
HK$29,017
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,130/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,224
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,164
−HK$955/mo
Today · 4.125%
HK$32,119
baseline
▲ 0.50% · 4.625%
HK$34,073
+HK$1,954/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,238/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,624
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,525
−HK$915/mo
Today · 4.125%
HK$35,440
baseline
▲ 0.50% · 4.625%
HK$37,308
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,880/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,909 · 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).