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$16,827
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$531/mo
Today · 4.125%
HK$17,882
baseline
▲ 0.50% · 4.625%
HK$18,970
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,764/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,720
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,222
−HK$509/mo
Today · 4.125%
HK$19,731
baseline
▲ 0.50% · 4.625%
HK$20,771
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,462/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,193
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$638/mo
Today · 4.125%
HK$21,459
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,918/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,464
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$612/mo
Today · 4.125%
HK$23,678
baseline
▲ 0.50% · 4.625%
HK$24,926
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,356/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,558
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,291
−HK$744/mo
Today · 4.125%
HK$25,035
baseline
▲ 0.50% · 4.625%
HK$26,559
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,070/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,208
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,911
−HK$713/mo
Today · 4.125%
HK$27,624
baseline
▲ 0.50% · 4.625%
HK$29,080
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,248/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,289
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,231
−HK$957/mo
Today · 4.125%
HK$32,188
baseline
▲ 0.50% · 4.625%
HK$34,147
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,376/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,600
−HK$916/mo
Today · 4.125%
HK$35,516
baseline
▲ 0.50% · 4.625%
HK$37,389
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,032/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,385 · 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).