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$16,813
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$532/mo
Today · 4.125%
HK$17,868
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,736/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,206
−HK$509/mo
Today · 4.125%
HK$19,715
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,430/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,176
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,804
−HK$637/mo
Today · 4.125%
HK$21,441
baseline
▲ 0.50% · 4.625%
HK$22,746
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,882/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,446
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$610/mo
Today · 4.125%
HK$23,658
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,316/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,271
−HK$744/mo
Today · 4.125%
HK$25,015
baseline
▲ 0.50% · 4.625%
HK$26,537
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,030/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,889
−HK$712/mo
Today · 4.125%
HK$27,601
baseline
▲ 0.50% · 4.625%
HK$29,056
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,202/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,264
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,205
−HK$957/mo
Today · 4.125%
HK$32,162
baseline
▲ 0.50% · 4.625%
HK$34,119
+HK$1,957/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,324/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,669
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,571
−HK$917/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,358
+HK$1,870/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,204 · 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).