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$16,797
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,320
−HK$531/mo
Today · 4.125%
HK$17,851
baseline
▲ 0.50% · 4.625%
HK$18,937
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,702/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,687
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,188
−HK$508/mo
Today · 4.125%
HK$19,696
baseline
▲ 0.50% · 4.625%
HK$20,735
+HK$1,039/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,392/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,157
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,784
−HK$637/mo
Today · 4.125%
HK$21,421
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,842/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,424
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$610/mo
Today · 4.125%
HK$23,636
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,272/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,248
−HK$743/mo
Today · 4.125%
HK$24,991
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,982/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,863
−HK$712/mo
Today · 4.125%
HK$27,575
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,150/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,235
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$956/mo
Today · 4.125%
HK$32,131
baseline
▲ 0.50% · 4.625%
HK$34,086
+HK$1,955/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,262/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,636
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,538
−HK$915/mo
Today · 4.125%
HK$35,453
baseline
▲ 0.50% · 4.625%
HK$37,322
+HK$1,869/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,906/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,992 · 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).