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$16,787
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,309
−HK$531/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,925
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,675
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,176
−HK$508/mo
Today · 4.125%
HK$19,684
baseline
▲ 0.50% · 4.625%
HK$20,722
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,368/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,144
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$636/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,303/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,410
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$610/mo
Today · 4.125%
HK$23,621
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,242/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,502
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,233
−HK$742/mo
Today · 4.125%
HK$24,975
baseline
▲ 0.50% · 4.625%
HK$26,495
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,950/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,145
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,847
−HK$711/mo
Today · 4.125%
HK$27,558
baseline
▲ 0.50% · 4.625%
HK$29,011
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,116/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,216
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,156
−HK$955/mo
Today · 4.125%
HK$32,111
baseline
▲ 0.50% · 4.625%
HK$34,065
+HK$1,954/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,222/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,615
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,517
−HK$915/mo
Today · 4.125%
HK$35,432
baseline
▲ 0.50% · 4.625%
HK$37,299
+HK$1,867/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,864/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,856 · 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).