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$16,834
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,357
−HK$532/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,778/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,727
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,230
−HK$509/mo
Today · 4.125%
HK$19,739
baseline
▲ 0.50% · 4.625%
HK$20,780
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,478/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,200
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,829
−HK$638/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,773
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,473
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,075
−HK$612/mo
Today · 4.125%
HK$23,687
baseline
▲ 0.50% · 4.625%
HK$24,935
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,374/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,567
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,300
−HK$745/mo
Today · 4.125%
HK$25,045
baseline
▲ 0.50% · 4.625%
HK$26,569
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,090/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,218
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,921
−HK$714/mo
Today · 4.125%
HK$27,635
baseline
▲ 0.50% · 4.625%
HK$29,091
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,270/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,301
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,243
−HK$958/mo
Today · 4.125%
HK$32,201
baseline
▲ 0.50% · 4.625%
HK$34,160
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,402/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,709
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,613
−HK$917/mo
Today · 4.125%
HK$35,530
baseline
▲ 0.50% · 4.625%
HK$37,403
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,060/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,472 · 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).