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$16,790
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$530/mo
Today · 4.125%
HK$17,842
baseline
▲ 0.50% · 4.625%
HK$18,928
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,684/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,678
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,179
−HK$508/mo
Today · 4.125%
HK$19,687
baseline
▲ 0.50% · 4.625%
HK$20,725
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,374/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$637/mo
Today · 4.125%
HK$21,411
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,303/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,822/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$610/mo
Today · 4.125%
HK$23,625
baseline
▲ 0.50% · 4.625%
HK$24,870
+HK$1,245/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,250/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$220,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,505
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,237
−HK$742/mo
Today · 4.125%
HK$24,979
baseline
▲ 0.50% · 4.625%
HK$26,499
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,958/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,150
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,851
−HK$711/mo
Today · 4.125%
HK$27,562
baseline
▲ 0.50% · 4.625%
HK$29,015
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,124/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,221
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$31,161
−HK$955/mo
Today · 4.125%
HK$32,116
baseline
▲ 0.50% · 4.625%
HK$34,071
+HK$1,955/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$64,232/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,621
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$34,523
−HK$914/mo
Today · 4.125%
HK$35,437
baseline
▲ 0.50% · 4.625%
HK$37,305
+HK$1,868/mo
Deposit HK$736K · loan HK$6.63M · min. income ≈ HK$70,874/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,892 · 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).