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$16,818
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$531/mo
Today · 4.125%
HK$17,872
baseline
▲ 0.50% · 4.625%
HK$18,960
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,744/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,709
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,211
−HK$509/mo
Today · 4.125%
HK$19,720
baseline
▲ 0.50% · 4.625%
HK$20,760
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,440/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,181
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,809
−HK$638/mo
Today · 4.125%
HK$21,447
baseline
▲ 0.50% · 4.625%
HK$22,752
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,894/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,451
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,053
−HK$611/mo
Today · 4.125%
HK$23,664
baseline
▲ 0.50% · 4.625%
HK$24,912
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,328/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,545
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,277
−HK$744/mo
Today · 4.125%
HK$25,021
baseline
▲ 0.50% · 4.625%
HK$26,544
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,042/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,193
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,896
−HK$712/mo
Today · 4.125%
HK$27,608
baseline
▲ 0.50% · 4.625%
HK$29,064
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,216/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,272
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,213
−HK$957/mo
Today · 4.125%
HK$32,170
baseline
▲ 0.50% · 4.625%
HK$34,127
+HK$1,957/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,340/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,677
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,580
−HK$916/mo
Today · 4.125%
HK$35,496
baseline
▲ 0.50% · 4.625%
HK$37,367
+HK$1,871/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$70,992/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,259 · 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).