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$16,778
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,300
−HK$530/mo
Today · 4.125%
HK$17,830
baseline
▲ 0.50% · 4.625%
HK$18,915
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,660/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,666
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,166
−HK$508/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$220,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,134
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,760
−HK$636/mo
Today · 4.125%
HK$21,396
baseline
▲ 0.50% · 4.625%
HK$22,698
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,792/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,399
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$610/mo
Today · 4.125%
HK$23,609
baseline
▲ 0.50% · 4.625%
HK$24,853
+HK$1,244/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$220,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,490
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,220
−HK$743/mo
Today · 4.125%
HK$24,963
baseline
▲ 0.50% · 4.625%
HK$26,481
+HK$1,518/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$220,742 · 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$220,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,201
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,140
−HK$955/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$220,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,598
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,499
−HK$914/mo
Today · 4.125%
HK$35,413
baseline
▲ 0.50% · 4.625%
HK$37,280
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,826/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,742 · 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).