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$16,783
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,305
−HK$531/mo
Today · 4.125%
HK$17,836
baseline
▲ 0.50% · 4.625%
HK$18,921
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,672/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,671
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,172
−HK$508/mo
Today · 4.125%
HK$19,680
baseline
▲ 0.50% · 4.625%
HK$20,717
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,360/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,140
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,766
−HK$637/mo
Today · 4.125%
HK$21,403
baseline
▲ 0.50% · 4.625%
HK$22,705
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,806/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,405
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,006
−HK$610/mo
Today · 4.125%
HK$23,616
baseline
▲ 0.50% · 4.625%
HK$24,861
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,232/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,497
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,227
−HK$743/mo
Today · 4.125%
HK$24,970
baseline
▲ 0.50% · 4.625%
HK$26,489
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,940/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,140
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,841
−HK$711/mo
Today · 4.125%
HK$27,552
baseline
▲ 0.50% · 4.625%
HK$29,004
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,104/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,210
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,150
−HK$954/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$34,058
+HK$1,954/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,510
−HK$914/mo
Today · 4.125%
HK$35,424
baseline
▲ 0.50% · 4.625%
HK$37,291
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,848/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,808 · 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).