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$16,782
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$531/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,920
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,171
−HK$508/mo
Today · 4.125%
HK$19,679
baseline
▲ 0.50% · 4.625%
HK$20,716
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,358/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,139
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,765
−HK$636/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,704
+HK$1,303/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,802/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,404
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,005
−HK$609/mo
Today · 4.125%
HK$23,614
baseline
▲ 0.50% · 4.625%
HK$24,859
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,228/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,495
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,226
−HK$742/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,488
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,936/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,138
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,839
−HK$711/mo
Today · 4.125%
HK$27,550
baseline
▲ 0.50% · 4.625%
HK$29,002
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,100/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,208
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,148
−HK$954/mo
Today · 4.125%
HK$32,102
baseline
▲ 0.50% · 4.625%
HK$34,056
+HK$1,954/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,204/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,606
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,507
−HK$915/mo
Today · 4.125%
HK$35,422
baseline
▲ 0.50% · 4.625%
HK$37,289
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,844/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,794 · 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).