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$16,798
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,321
−HK$531/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,938
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,704/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$221,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,688
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,189
−HK$509/mo
Today · 4.125%
HK$19,698
baseline
▲ 0.50% · 4.625%
HK$20,736
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,396/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$221,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,158
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,785
−HK$637/mo
Today · 4.125%
HK$21,422
baseline
▲ 0.50% · 4.625%
HK$22,726
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,844/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,426
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,027
−HK$610/mo
Today · 4.125%
HK$23,637
baseline
▲ 0.50% · 4.625%
HK$24,883
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,274/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,518
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$24,249
−HK$743/mo
Today · 4.125%
HK$24,992
baseline
▲ 0.50% · 4.625%
HK$26,513
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,984/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,163
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,865
−HK$712/mo
Today · 4.125%
HK$27,577
baseline
▲ 0.50% · 4.625%
HK$29,030
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,154/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,237
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,177
−HK$956/mo
Today · 4.125%
HK$32,133
baseline
▲ 0.50% · 4.625%
HK$34,088
+HK$1,955/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,266/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,638
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,540
−HK$916/mo
Today · 4.125%
HK$35,456
baseline
▲ 0.50% · 4.625%
HK$37,325
+HK$1,869/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,912/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,006 · 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).