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$16,789
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$530/mo
Today · 4.125%
HK$17,841
baseline
▲ 0.50% · 4.625%
HK$18,927
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,682/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,677
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,178
−HK$508/mo
Today · 4.125%
HK$19,686
baseline
▲ 0.50% · 4.625%
HK$20,724
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,372/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,146
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,773
−HK$637/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,712
+HK$1,302/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,014
−HK$609/mo
Today · 4.125%
HK$23,623
baseline
▲ 0.50% · 4.625%
HK$24,869
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,246/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,504
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,235
−HK$743/mo
Today · 4.125%
HK$24,978
baseline
▲ 0.50% · 4.625%
HK$26,498
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,956/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,148
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,849
−HK$712/mo
Today · 4.125%
HK$27,561
baseline
▲ 0.50% · 4.625%
HK$29,013
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,122/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,219
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,159
−HK$955/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$34,069
+HK$1,955/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,228/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,619
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,520
−HK$915/mo
Today · 4.125%
HK$35,435
baseline
▲ 0.50% · 4.625%
HK$37,303
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,870/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,878 · 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).