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$16,773
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$530/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,909
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,660
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$508/mo
Today · 4.125%
HK$19,668
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,336/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,128
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$636/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,691
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,992
−HK$610/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$24,846
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,482
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$742/mo
Today · 4.125%
HK$24,955
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,910/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,124
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,824
−HK$711/mo
Today · 4.125%
HK$27,535
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,070/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,192
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,131
−HK$954/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$34,037
+HK$1,952/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,588
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,489
−HK$913/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,269
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,674 · 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).