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$16,774
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,296
−HK$530/mo
Today · 4.125%
HK$17,826
baseline
▲ 0.50% · 4.625%
HK$18,911
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,652/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,661
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,162
−HK$508/mo
Today · 4.125%
HK$19,670
baseline
▲ 0.50% · 4.625%
HK$20,706
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,340/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,755
−HK$637/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,693
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,394
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$609/mo
Today · 4.125%
HK$23,603
baseline
▲ 0.50% · 4.625%
HK$24,848
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,206/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,484
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,215
−HK$742/mo
Today · 4.125%
HK$24,957
baseline
▲ 0.50% · 4.625%
HK$26,475
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,914/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,126
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,827
−HK$710/mo
Today · 4.125%
HK$27,537
baseline
▲ 0.50% · 4.625%
HK$28,989
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,074/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,194
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,133
−HK$954/mo
Today · 4.125%
HK$32,087
baseline
▲ 0.50% · 4.625%
HK$34,040
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,174/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,590
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,491
−HK$914/mo
Today · 4.125%
HK$35,405
baseline
▲ 0.50% · 4.625%
HK$37,271
+HK$1,866/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,810/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,691 · 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).