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$16,793
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,316
−HK$530/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,692/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,682
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,183
−HK$509/mo
Today · 4.125%
HK$19,692
baseline
▲ 0.50% · 4.625%
HK$20,730
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,384/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,152
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$637/mo
Today · 4.125%
HK$21,416
baseline
▲ 0.50% · 4.625%
HK$22,719
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,832/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,419
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,020
−HK$610/mo
Today · 4.125%
HK$23,630
baseline
▲ 0.50% · 4.625%
HK$24,876
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,260/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,511
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,242
−HK$743/mo
Today · 4.125%
HK$24,985
baseline
▲ 0.50% · 4.625%
HK$26,505
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,970/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,155
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,857
−HK$711/mo
Today · 4.125%
HK$27,568
baseline
▲ 0.50% · 4.625%
HK$29,022
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,136/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,228
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,168
−HK$955/mo
Today · 4.125%
HK$32,123
baseline
▲ 0.50% · 4.625%
HK$34,078
+HK$1,955/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,246/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,628
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,530
−HK$915/mo
Today · 4.125%
HK$35,445
baseline
▲ 0.50% · 4.625%
HK$37,313
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,890/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,940 · 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).