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$1,053/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$531/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,917
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,664/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,667
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,168
−HK$507/mo
Today · 4.125%
HK$19,675
baseline
▲ 0.50% · 4.625%
HK$20,713
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,350/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,135
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,762
−HK$636/mo
Today · 4.125%
HK$21,398
baseline
▲ 0.50% · 4.625%
HK$22,700
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,796/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$609/mo
Today · 4.125%
HK$23,610
baseline
▲ 0.50% · 4.625%
HK$24,855
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,220/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,491
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,222
−HK$742/mo
Today · 4.125%
HK$24,964
baseline
▲ 0.50% · 4.625%
HK$26,483
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,928/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,134
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,835
−HK$711/mo
Today · 4.125%
HK$27,546
baseline
▲ 0.50% · 4.625%
HK$28,998
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,092/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,203
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,142
−HK$955/mo
Today · 4.125%
HK$32,097
baseline
▲ 0.50% · 4.625%
HK$34,050
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,194/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,600
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,502
−HK$914/mo
Today · 4.125%
HK$35,416
baseline
▲ 0.50% · 4.625%
HK$37,283
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,832/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,757 · 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).