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$16,807
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,329
−HK$532/mo
Today · 4.125%
HK$17,861
baseline
▲ 0.50% · 4.625%
HK$18,947
+HK$1,086/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,722/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,697
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,199
−HK$508/mo
Today · 4.125%
HK$19,707
baseline
▲ 0.50% · 4.625%
HK$20,746
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,414/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,168
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,795
−HK$638/mo
Today · 4.125%
HK$21,433
baseline
▲ 0.50% · 4.625%
HK$22,737
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,866/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,437
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$611/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$24,895
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,529
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,261
−HK$744/mo
Today · 4.125%
HK$25,005
baseline
▲ 0.50% · 4.625%
HK$26,526
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,010/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,176
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$712/mo
Today · 4.125%
HK$27,590
baseline
▲ 0.50% · 4.625%
HK$29,045
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,180/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,252
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$956/mo
Today · 4.125%
HK$32,149
baseline
▲ 0.50% · 4.625%
HK$34,105
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,298/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,655
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,558
−HK$915/mo
Today · 4.125%
HK$35,473
baseline
▲ 0.50% · 4.625%
HK$37,343
+HK$1,870/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,946/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,115 · 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).