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$16,780
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,302
−HK$530/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$220,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,668
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,168
−HK$508/mo
Today · 4.125%
HK$19,676
baseline
▲ 0.50% · 4.625%
HK$20,713
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,352/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,136
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,762
−HK$637/mo
Today · 4.125%
HK$21,399
baseline
▲ 0.50% · 4.625%
HK$22,701
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,798/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,401
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,002
−HK$609/mo
Today · 4.125%
HK$23,611
baseline
▲ 0.50% · 4.625%
HK$24,856
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,222/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,492
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,223
−HK$742/mo
Today · 4.125%
HK$24,965
baseline
▲ 0.50% · 4.625%
HK$26,484
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,930/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,135
−HK$1,411/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$220,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,204
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,143
−HK$955/mo
Today · 4.125%
HK$32,098
baseline
▲ 0.50% · 4.625%
HK$34,051
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,196/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,602
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,503
−HK$914/mo
Today · 4.125%
HK$35,417
baseline
▲ 0.50% · 4.625%
HK$37,284
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,834/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,764 · 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).