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$16,810
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$532/mo
Today · 4.125%
HK$17,864
baseline
▲ 0.50% · 4.625%
HK$18,951
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,728/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,700
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,202
−HK$509/mo
Today · 4.125%
HK$19,711
baseline
▲ 0.50% · 4.625%
HK$20,750
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,171
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,799
−HK$637/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,741
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,441
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$611/mo
Today · 4.125%
HK$23,653
baseline
▲ 0.50% · 4.625%
HK$24,900
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,306/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,533
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,265
−HK$744/mo
Today · 4.125%
HK$25,009
baseline
▲ 0.50% · 4.625%
HK$26,531
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,018/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,181
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,883
−HK$712/mo
Today · 4.125%
HK$27,595
baseline
▲ 0.50% · 4.625%
HK$29,050
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,190/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,257
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,198
−HK$957/mo
Today · 4.125%
HK$32,155
baseline
▲ 0.50% · 4.625%
HK$34,111
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,310/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,661
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,564
−HK$915/mo
Today · 4.125%
HK$35,479
baseline
▲ 0.50% · 4.625%
HK$37,350
+HK$1,871/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,958/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,154 · 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).