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$16,775
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$530/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,654/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,663
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$508/mo
Today · 4.125%
HK$19,671
baseline
▲ 0.50% · 4.625%
HK$20,708
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,342/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,131
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,757
−HK$636/mo
Today · 4.125%
HK$21,393
baseline
▲ 0.50% · 4.625%
HK$22,695
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,786/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,395
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$609/mo
Today · 4.125%
HK$23,605
baseline
▲ 0.50% · 4.625%
HK$24,849
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,210/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,486
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$742/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,477
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,128
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$711/mo
Today · 4.125%
HK$27,539
baseline
▲ 0.50% · 4.625%
HK$28,991
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,078/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,196
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,135
−HK$954/mo
Today · 4.125%
HK$32,089
baseline
▲ 0.50% · 4.625%
HK$34,042
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,178/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,593
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,494
−HK$913/mo
Today · 4.125%
HK$35,407
baseline
▲ 0.50% · 4.625%
HK$37,274
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,814/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,705 · 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).