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$16,814
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,337
−HK$531/mo
Today · 4.125%
HK$17,868
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,736/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,705
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,207
−HK$509/mo
Today · 4.125%
HK$19,716
baseline
▲ 0.50% · 4.625%
HK$20,755
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,432/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,177
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,804
−HK$638/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,446
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$611/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,318/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,539
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,272
−HK$744/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,538
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,187
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,890
−HK$712/mo
Today · 4.125%
HK$27,602
baseline
▲ 0.50% · 4.625%
HK$29,057
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,204/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,265
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$957/mo
Today · 4.125%
HK$32,163
baseline
▲ 0.50% · 4.625%
HK$34,120
+HK$1,957/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,326/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,669
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,572
−HK$916/mo
Today · 4.125%
HK$35,488
baseline
▲ 0.50% · 4.625%
HK$37,359
+HK$1,871/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,976/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,210 · 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).