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$16,816
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,339
−HK$532/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,958
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,209
−HK$509/mo
Today · 4.125%
HK$19,718
baseline
▲ 0.50% · 4.625%
HK$20,758
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,436/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,179
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,807
−HK$638/mo
Today · 4.125%
HK$21,445
baseline
▲ 0.50% · 4.625%
HK$22,750
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,890/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,449
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,051
−HK$611/mo
Today · 4.125%
HK$23,662
baseline
▲ 0.50% · 4.625%
HK$24,909
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,324/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,542
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,275
−HK$744/mo
Today · 4.125%
HK$25,019
baseline
▲ 0.50% · 4.625%
HK$26,541
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,038/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,191
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,893
−HK$713/mo
Today · 4.125%
HK$27,606
baseline
▲ 0.50% · 4.625%
HK$29,061
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,212/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,269
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,210
−HK$957/mo
Today · 4.125%
HK$32,167
baseline
▲ 0.50% · 4.625%
HK$34,124
+HK$1,957/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,334/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,674
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,577
−HK$916/mo
Today · 4.125%
HK$35,493
baseline
▲ 0.50% · 4.625%
HK$37,364
+HK$1,871/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,986/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,240 · 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).