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$16,790
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$530/mo
Today · 4.125%
HK$17,843
baseline
▲ 0.50% · 4.625%
HK$18,929
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,686/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,679
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,180
−HK$508/mo
Today · 4.125%
HK$19,688
baseline
▲ 0.50% · 4.625%
HK$20,726
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,376/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$637/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,715
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$610/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,506
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,238
−HK$742/mo
Today · 4.125%
HK$24,980
baseline
▲ 0.50% · 4.625%
HK$26,500
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,960/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,151
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,852
−HK$711/mo
Today · 4.125%
HK$27,563
baseline
▲ 0.50% · 4.625%
HK$29,016
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,126/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,222
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,163
−HK$955/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$34,072
+HK$1,954/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,622
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,524
−HK$915/mo
Today · 4.125%
HK$35,439
baseline
▲ 0.50% · 4.625%
HK$37,307
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,878/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,900 · 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).