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$1,053/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$531/mo
Today · 4.125%
HK$17,850
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,700/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,686
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,187
−HK$509/mo
Today · 4.125%
HK$19,696
baseline
▲ 0.50% · 4.625%
HK$20,734
+HK$1,038/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$220,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,156
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$637/mo
Today · 4.125%
HK$21,420
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,840/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,424
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,025
−HK$610/mo
Today · 4.125%
HK$23,635
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,270/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,516
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,247
−HK$743/mo
Today · 4.125%
HK$24,990
baseline
▲ 0.50% · 4.625%
HK$26,511
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,980/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,161
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,862
−HK$712/mo
Today · 4.125%
HK$27,574
baseline
▲ 0.50% · 4.625%
HK$29,028
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,148/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,234
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,175
−HK$955/mo
Today · 4.125%
HK$32,130
baseline
▲ 0.50% · 4.625%
HK$34,085
+HK$1,955/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,260/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,635
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,537
−HK$915/mo
Today · 4.125%
HK$35,452
baseline
▲ 0.50% · 4.625%
HK$37,321
+HK$1,869/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,904/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,986 · 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).