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$16,828
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,352
−HK$532/mo
Today · 4.125%
HK$17,884
baseline
▲ 0.50% · 4.625%
HK$18,972
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,768/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,722
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,224
−HK$509/mo
Today · 4.125%
HK$19,733
baseline
▲ 0.50% · 4.625%
HK$20,773
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,466/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,194
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$639/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,466
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$612/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$24,928
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,560
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,293
−HK$744/mo
Today · 4.125%
HK$25,037
baseline
▲ 0.50% · 4.625%
HK$26,561
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,074/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,210
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,913
−HK$713/mo
Today · 4.125%
HK$27,626
baseline
▲ 0.50% · 4.625%
HK$29,082
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,252/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,291
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$958/mo
Today · 4.125%
HK$32,191
baseline
▲ 0.50% · 4.625%
HK$34,150
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,382/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,699
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,602
−HK$917/mo
Today · 4.125%
HK$35,519
baseline
▲ 0.50% · 4.625%
HK$37,392
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,038/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,403 · 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).