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$16,825
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$532/mo
Today · 4.125%
HK$17,880
baseline
▲ 0.50% · 4.625%
HK$18,968
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,760/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,718
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,220
−HK$509/mo
Today · 4.125%
HK$19,729
baseline
▲ 0.50% · 4.625%
HK$20,769
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,458/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,190
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$638/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,762
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,064
−HK$611/mo
Today · 4.125%
HK$23,675
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,350/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,555
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,288
−HK$744/mo
Today · 4.125%
HK$25,032
baseline
▲ 0.50% · 4.625%
HK$26,555
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,064/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,205
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,907
−HK$713/mo
Today · 4.125%
HK$27,620
baseline
▲ 0.50% · 4.625%
HK$29,076
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,240/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,285
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$957/mo
Today · 4.125%
HK$32,184
baseline
▲ 0.50% · 4.625%
HK$34,142
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,368/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,692
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,595
−HK$917/mo
Today · 4.125%
HK$35,512
baseline
▲ 0.50% · 4.625%
HK$37,384
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,024/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,357 · 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).