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$16,800
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$531/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$1,087/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$221,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,690
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,191
−HK$508/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,738
+HK$1,039/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$221,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,160
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$637/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,728
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,428
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$610/mo
Today · 4.125%
HK$23,639
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,278/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,520
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,251
−HK$744/mo
Today · 4.125%
HK$24,995
baseline
▲ 0.50% · 4.625%
HK$26,516
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,990/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,165
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,867
−HK$712/mo
Today · 4.125%
HK$27,579
baseline
▲ 0.50% · 4.625%
HK$29,033
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,158/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,240
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$956/mo
Today · 4.125%
HK$32,136
baseline
▲ 0.50% · 4.625%
HK$34,091
+HK$1,955/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,272/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,641
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,544
−HK$915/mo
Today · 4.125%
HK$35,459
baseline
▲ 0.50% · 4.625%
HK$37,328
+HK$1,869/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,918/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,026 · 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).