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$16,777
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,299
−HK$530/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,914
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,658/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,664
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,164
−HK$508/mo
Today · 4.125%
HK$19,672
baseline
▲ 0.50% · 4.625%
HK$20,709
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,344/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,132
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$637/mo
Today · 4.125%
HK$21,395
baseline
▲ 0.50% · 4.625%
HK$22,696
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,790/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,397
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,997
−HK$610/mo
Today · 4.125%
HK$23,607
baseline
▲ 0.50% · 4.625%
HK$24,851
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,214/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,487
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,218
−HK$742/mo
Today · 4.125%
HK$24,960
baseline
▲ 0.50% · 4.625%
HK$26,479
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,920/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,130
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,830
−HK$711/mo
Today · 4.125%
HK$27,541
baseline
▲ 0.50% · 4.625%
HK$28,993
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,082/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,198
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,137
−HK$955/mo
Today · 4.125%
HK$32,092
baseline
▲ 0.50% · 4.625%
HK$34,044
+HK$1,952/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,184/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,595
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,496
−HK$914/mo
Today · 4.125%
HK$35,410
baseline
▲ 0.50% · 4.625%
HK$37,277
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,820/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,722 · 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).