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$16,785
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,307
−HK$530/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,923
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,674/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,673
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,174
−HK$508/mo
Today · 4.125%
HK$19,682
baseline
▲ 0.50% · 4.625%
HK$20,719
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,364/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$637/mo
Today · 4.125%
HK$21,405
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,810/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,408
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$610/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$24,863
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,499
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,230
−HK$742/mo
Today · 4.125%
HK$24,972
baseline
▲ 0.50% · 4.625%
HK$26,492
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,944/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,142
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$26,843
−HK$712/mo
Today · 4.125%
HK$27,555
baseline
▲ 0.50% · 4.625%
HK$29,007
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,110/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,213
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,152
−HK$955/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$34,061
+HK$1,954/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,611
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,513
−HK$914/mo
Today · 4.125%
HK$35,427
baseline
▲ 0.50% · 4.625%
HK$37,295
+HK$1,868/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,854/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,829 · 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).