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$1,052/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$530/mo
Today · 4.125%
HK$17,834
baseline
▲ 0.50% · 4.625%
HK$18,919
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,668/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,670
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$508/mo
Today · 4.125%
HK$19,678
baseline
▲ 0.50% · 4.625%
HK$20,715
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,356/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,138
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$637/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,703
+HK$1,302/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$220,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,403
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$610/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$220,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,225
−HK$743/mo
Today · 4.125%
HK$24,968
baseline
▲ 0.50% · 4.625%
HK$26,487
+HK$1,519/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$220,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,137
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,838
−HK$711/mo
Today · 4.125%
HK$27,549
baseline
▲ 0.50% · 4.625%
HK$29,002
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,098/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,207
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,147
−HK$954/mo
Today · 4.125%
HK$32,101
baseline
▲ 0.50% · 4.625%
HK$34,055
+HK$1,954/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,202/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,605
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,506
−HK$915/mo
Today · 4.125%
HK$35,421
baseline
▲ 0.50% · 4.625%
HK$37,288
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,842/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,788 · 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).