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$16,788
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,310
−HK$530/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,926
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,676
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,177
−HK$508/mo
Today · 4.125%
HK$19,685
baseline
▲ 0.50% · 4.625%
HK$20,723
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,145
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,772
−HK$637/mo
Today · 4.125%
HK$21,409
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,818/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$610/mo
Today · 4.125%
HK$23,622
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,244/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,503
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,234
−HK$743/mo
Today · 4.125%
HK$24,977
baseline
▲ 0.50% · 4.625%
HK$26,496
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,954/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,147
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,848
−HK$711/mo
Today · 4.125%
HK$27,559
baseline
▲ 0.50% · 4.625%
HK$29,012
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,118/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,218
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,158
−HK$955/mo
Today · 4.125%
HK$32,113
baseline
▲ 0.50% · 4.625%
HK$34,067
+HK$1,954/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,226/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,617
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,519
−HK$914/mo
Today · 4.125%
HK$35,433
baseline
▲ 0.50% · 4.625%
HK$37,301
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,866/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,867 · 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).