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$16,763
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,284
−HK$530/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,898
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,628/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,649
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,149
−HK$507/mo
Today · 4.125%
HK$19,656
baseline
▲ 0.50% · 4.625%
HK$20,692
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,312/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,116
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$636/mo
Today · 4.125%
HK$21,377
baseline
▲ 0.50% · 4.625%
HK$22,678
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,754/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,979
−HK$608/mo
Today · 4.125%
HK$23,587
baseline
▲ 0.50% · 4.625%
HK$24,831
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,174/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,468
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,198
−HK$742/mo
Today · 4.125%
HK$24,940
baseline
▲ 0.50% · 4.625%
HK$26,457
+HK$1,517/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,880/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,108
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,808
−HK$711/mo
Today · 4.125%
HK$27,519
baseline
▲ 0.50% · 4.625%
HK$28,969
+HK$1,450/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,038/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,173
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,112
−HK$954/mo
Today · 4.125%
HK$32,066
baseline
▲ 0.50% · 4.625%
HK$34,017
+HK$1,951/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,132/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,568
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,468
−HK$913/mo
Today · 4.125%
HK$35,381
baseline
▲ 0.50% · 4.625%
HK$37,246
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,762/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,542 · 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).