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$16,808
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,330
−HK$532/mo
Today · 4.125%
HK$17,862
baseline
▲ 0.50% · 4.625%
HK$18,948
+HK$1,086/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,724/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,698
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,200
−HK$509/mo
Today · 4.125%
HK$19,709
baseline
▲ 0.50% · 4.625%
HK$20,747
+HK$1,038/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,418/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,169
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,797
−HK$637/mo
Today · 4.125%
HK$21,434
baseline
▲ 0.50% · 4.625%
HK$22,738
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,868/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,438
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,040
−HK$610/mo
Today · 4.125%
HK$23,650
baseline
▲ 0.50% · 4.625%
HK$24,897
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,300/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,531
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,263
−HK$743/mo
Today · 4.125%
HK$25,006
baseline
▲ 0.50% · 4.625%
HK$26,528
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,012/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,178
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,880
−HK$712/mo
Today · 4.125%
HK$27,592
baseline
▲ 0.50% · 4.625%
HK$29,046
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,184/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,254
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,195
−HK$956/mo
Today · 4.125%
HK$32,151
baseline
▲ 0.50% · 4.625%
HK$34,107
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,302/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,657
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,560
−HK$915/mo
Today · 4.125%
HK$35,475
baseline
▲ 0.50% · 4.625%
HK$37,345
+HK$1,870/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,950/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,129 · 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).