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$16,793
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$531/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,931
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,692/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,682
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$508/mo
Today · 4.125%
HK$19,691
baseline
▲ 0.50% · 4.625%
HK$20,729
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,382/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,151
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,778
−HK$637/mo
Today · 4.125%
HK$21,415
baseline
▲ 0.50% · 4.625%
HK$22,718
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,830/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,418
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,019
−HK$610/mo
Today · 4.125%
HK$23,629
baseline
▲ 0.50% · 4.625%
HK$24,874
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,258/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,510
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,241
−HK$743/mo
Today · 4.125%
HK$24,984
baseline
▲ 0.50% · 4.625%
HK$26,504
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,968/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,154
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,856
−HK$711/mo
Today · 4.125%
HK$27,567
baseline
▲ 0.50% · 4.625%
HK$29,020
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,134/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,227
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,167
−HK$955/mo
Today · 4.125%
HK$32,122
baseline
▲ 0.50% · 4.625%
HK$34,077
+HK$1,955/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,244/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,627
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,529
−HK$914/mo
Today · 4.125%
HK$35,443
baseline
▲ 0.50% · 4.625%
HK$37,312
+HK$1,869/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,886/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,930 · 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).