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$16,784
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,306
−HK$530/mo
Today · 4.125%
HK$17,836
baseline
▲ 0.50% · 4.625%
HK$18,922
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,672/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,672
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,173
−HK$508/mo
Today · 4.125%
HK$19,681
baseline
▲ 0.50% · 4.625%
HK$20,718
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,362/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,141
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,767
−HK$637/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,706
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,406
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,007
−HK$610/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,498
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,228
−HK$743/mo
Today · 4.125%
HK$24,971
baseline
▲ 0.50% · 4.625%
HK$26,490
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,942/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,141
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,842
−HK$711/mo
Today · 4.125%
HK$27,553
baseline
▲ 0.50% · 4.625%
HK$29,005
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,106/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,211
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,151
−HK$955/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$34,059
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,212/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,610
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,511
−HK$914/mo
Today · 4.125%
HK$35,425
baseline
▲ 0.50% · 4.625%
HK$37,293
+HK$1,868/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,850/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,817 · 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).