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$16,779
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,300
−HK$531/mo
Today · 4.125%
HK$17,831
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,662/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,167
−HK$507/mo
Today · 4.125%
HK$19,674
baseline
▲ 0.50% · 4.625%
HK$20,711
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,348/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$636/mo
Today · 4.125%
HK$21,397
baseline
▲ 0.50% · 4.625%
HK$22,699
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,794/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,399
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,000
−HK$609/mo
Today · 4.125%
HK$23,609
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,218/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,490
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,221
−HK$742/mo
Today · 4.125%
HK$24,963
baseline
▲ 0.50% · 4.625%
HK$26,482
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,926/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,132
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,833
−HK$711/mo
Today · 4.125%
HK$27,544
baseline
▲ 0.50% · 4.625%
HK$28,996
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,088/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,201
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,141
−HK$954/mo
Today · 4.125%
HK$32,095
baseline
▲ 0.50% · 4.625%
HK$34,048
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,190/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,599
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,500
−HK$914/mo
Today · 4.125%
HK$35,414
baseline
▲ 0.50% · 4.625%
HK$37,281
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,828/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,746 · 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).