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$16,794
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,316
−HK$531/mo
Today · 4.125%
HK$17,847
baseline
▲ 0.50% · 4.625%
HK$18,933
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,694/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,683
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,184
−HK$508/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$636/mo
Today · 4.125%
HK$21,416
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,832/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,420
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,021
−HK$610/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,511
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,243
−HK$743/mo
Today · 4.125%
HK$24,986
baseline
▲ 0.50% · 4.625%
HK$26,506
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,972/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,156
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,858
−HK$711/mo
Today · 4.125%
HK$27,569
baseline
▲ 0.50% · 4.625%
HK$29,023
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,138/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,229
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,169
−HK$956/mo
Today · 4.125%
HK$32,125
baseline
▲ 0.50% · 4.625%
HK$34,079
+HK$1,954/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,250/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,629
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,531
−HK$915/mo
Today · 4.125%
HK$35,446
baseline
▲ 0.50% · 4.625%
HK$37,315
+HK$1,869/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,892/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,948 · 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).