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$16,781
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$530/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,169
−HK$508/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,714
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,137
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,763
−HK$637/mo
Today · 4.125%
HK$21,400
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,800/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,402
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,003
−HK$610/mo
Today · 4.125%
HK$23,613
baseline
▲ 0.50% · 4.625%
HK$24,857
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,226/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,493
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$742/mo
Today · 4.125%
HK$24,966
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,932/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,136
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,837
−HK$711/mo
Today · 4.125%
HK$27,548
baseline
▲ 0.50% · 4.625%
HK$29,000
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,096/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,206
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,145
−HK$955/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,603
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,505
−HK$914/mo
Today · 4.125%
HK$35,419
baseline
▲ 0.50% · 4.625%
HK$37,286
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,838/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,777 · 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).