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$16,795
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$531/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,935
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,698/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$508/mo
Today · 4.125%
HK$19,694
baseline
▲ 0.50% · 4.625%
HK$20,732
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,388/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,154
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$637/mo
Today · 4.125%
HK$21,418
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,836/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$610/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,514
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,245
−HK$743/mo
Today · 4.125%
HK$24,988
baseline
▲ 0.50% · 4.625%
HK$26,509
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,976/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,159
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,860
−HK$712/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,025
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,172
−HK$956/mo
Today · 4.125%
HK$32,128
baseline
▲ 0.50% · 4.625%
HK$34,082
+HK$1,954/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,256/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,632
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,534
−HK$916/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,318
+HK$1,868/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,968 · 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).