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$16,794
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,317
−HK$531/mo
Today · 4.125%
HK$17,848
baseline
▲ 0.50% · 4.625%
HK$18,934
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,696/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,684
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,185
−HK$508/mo
Today · 4.125%
HK$19,693
baseline
▲ 0.50% · 4.625%
HK$20,731
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,386/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,153
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$637/mo
Today · 4.125%
HK$21,417
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,834/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,420
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,022
−HK$610/mo
Today · 4.125%
HK$23,632
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,264/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,512
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,244
−HK$743/mo
Today · 4.125%
HK$24,987
baseline
▲ 0.50% · 4.625%
HK$26,507
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,974/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,157
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,859
−HK$711/mo
Today · 4.125%
HK$27,570
baseline
▲ 0.50% · 4.625%
HK$29,024
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,140/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,230
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,170
−HK$956/mo
Today · 4.125%
HK$32,126
baseline
▲ 0.50% · 4.625%
HK$34,081
+HK$1,955/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,252/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,631
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,533
−HK$915/mo
Today · 4.125%
HK$35,448
baseline
▲ 0.50% · 4.625%
HK$37,316
+HK$1,868/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,896/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,955 · 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).