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$16,786
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$530/mo
Today · 4.125%
HK$17,838
baseline
▲ 0.50% · 4.625%
HK$18,924
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,676/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,674
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,175
−HK$508/mo
Today · 4.125%
HK$19,683
baseline
▲ 0.50% · 4.625%
HK$20,720
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,366/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$637/mo
Today · 4.125%
HK$21,406
baseline
▲ 0.50% · 4.625%
HK$22,708
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,812/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,408
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,009
−HK$610/mo
Today · 4.125%
HK$23,619
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,238/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,500
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,231
−HK$742/mo
Today · 4.125%
HK$24,973
baseline
▲ 0.50% · 4.625%
HK$26,493
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,946/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,143
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,844
−HK$712/mo
Today · 4.125%
HK$27,556
baseline
▲ 0.50% · 4.625%
HK$29,008
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,112/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,214
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,154
−HK$955/mo
Today · 4.125%
HK$32,109
baseline
▲ 0.50% · 4.625%
HK$34,062
+HK$1,953/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,218/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,613
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,514
−HK$915/mo
Today · 4.125%
HK$35,429
baseline
▲ 0.50% · 4.625%
HK$37,296
+HK$1,867/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,858/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,838 · 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).