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$16,796
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$531/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,935
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,698/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,685
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,186
−HK$509/mo
Today · 4.125%
HK$19,695
baseline
▲ 0.50% · 4.625%
HK$20,733
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,390/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,155
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$637/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,024
−HK$610/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,514
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,246
−HK$743/mo
Today · 4.125%
HK$24,989
baseline
▲ 0.50% · 4.625%
HK$26,509
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,978/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,159
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,861
−HK$711/mo
Today · 4.125%
HK$27,572
baseline
▲ 0.50% · 4.625%
HK$29,026
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,144/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$955/mo
Today · 4.125%
HK$32,128
baseline
▲ 0.50% · 4.625%
HK$34,083
+HK$1,955/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,256/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,633
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,535
−HK$915/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,319
+HK$1,869/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$220,973 · 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).