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$16,815
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$532/mo
Today · 4.125%
HK$17,870
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,740/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,707
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$509/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,757
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,178
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$638/mo
Today · 4.125%
HK$21,444
baseline
▲ 0.50% · 4.625%
HK$22,748
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,888/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,050
−HK$611/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$24,908
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,541
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,274
−HK$744/mo
Today · 4.125%
HK$25,018
baseline
▲ 0.50% · 4.625%
HK$26,540
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,036/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,190
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,892
−HK$712/mo
Today · 4.125%
HK$27,604
baseline
▲ 0.50% · 4.625%
HK$29,060
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,208/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,267
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,209
−HK$956/mo
Today · 4.125%
HK$32,165
baseline
▲ 0.50% · 4.625%
HK$34,123
+HK$1,958/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,330/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,575
−HK$916/mo
Today · 4.125%
HK$35,491
baseline
▲ 0.50% · 4.625%
HK$37,362
+HK$1,871/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,982/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,229 · 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).