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$16,820
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$531/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,962
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,712
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$509/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,762
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,183
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$638/mo
Today · 4.125%
HK$21,449
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,898/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,454
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,056
−HK$611/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$24,915
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,547
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,280
−HK$744/mo
Today · 4.125%
HK$25,024
baseline
▲ 0.50% · 4.625%
HK$26,547
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,048/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,196
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,899
−HK$712/mo
Today · 4.125%
HK$27,611
baseline
▲ 0.50% · 4.625%
HK$29,067
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,222/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,275
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,217
−HK$957/mo
Today · 4.125%
HK$32,174
baseline
▲ 0.50% · 4.625%
HK$34,131
+HK$1,957/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,348/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,584
−HK$916/mo
Today · 4.125%
HK$35,500
baseline
▲ 0.50% · 4.625%
HK$37,372
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,000/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,285 · 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).