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$16,806
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,329
−HK$531/mo
Today · 4.125%
HK$17,860
baseline
▲ 0.50% · 4.625%
HK$18,946
+HK$1,086/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,720/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,696
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,198
−HK$508/mo
Today · 4.125%
HK$19,706
baseline
▲ 0.50% · 4.625%
HK$20,745
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,412/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,167
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$638/mo
Today · 4.125%
HK$21,432
baseline
▲ 0.50% · 4.625%
HK$22,736
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,864/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,435
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,037
−HK$611/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,528
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,260
−HK$743/mo
Today · 4.125%
HK$25,003
baseline
▲ 0.50% · 4.625%
HK$26,525
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,006/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,175
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,877
−HK$712/mo
Today · 4.125%
HK$27,589
baseline
▲ 0.50% · 4.625%
HK$29,043
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,178/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,250
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,191
−HK$956/mo
Today · 4.125%
HK$32,147
baseline
▲ 0.50% · 4.625%
HK$34,103
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,294/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,653
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,556
−HK$915/mo
Today · 4.125%
HK$35,471
baseline
▲ 0.50% · 4.625%
HK$37,341
+HK$1,870/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,942/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,104 · 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).