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$16,804
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$531/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,945
+HK$1,087/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,695
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,196
−HK$509/mo
Today · 4.125%
HK$19,705
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,165
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,792
−HK$638/mo
Today · 4.125%
HK$21,430
baseline
▲ 0.50% · 4.625%
HK$22,734
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,860/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,434
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$611/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,526
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,258
−HK$743/mo
Today · 4.125%
HK$25,001
baseline
▲ 0.50% · 4.625%
HK$26,523
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,002/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,173
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$713/mo
Today · 4.125%
HK$27,587
baseline
▲ 0.50% · 4.625%
HK$29,041
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,174/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,248
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$956/mo
Today · 4.125%
HK$32,145
baseline
▲ 0.50% · 4.625%
HK$34,101
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,290/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,650
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,553
−HK$915/mo
Today · 4.125%
HK$35,468
baseline
▲ 0.50% · 4.625%
HK$37,338
+HK$1,870/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,936/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,086 · 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).