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$16,831
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,355
−HK$532/mo
Today · 4.125%
HK$17,887
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,774/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,725
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,227
−HK$509/mo
Today · 4.125%
HK$19,736
baseline
▲ 0.50% · 4.625%
HK$20,777
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,472/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,198
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$638/mo
Today · 4.125%
HK$21,464
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,928/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$612/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,564
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,297
−HK$744/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,565
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,082/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,215
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,918
−HK$713/mo
Today · 4.125%
HK$27,631
baseline
▲ 0.50% · 4.625%
HK$29,087
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,262/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,296
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,239
−HK$957/mo
Today · 4.125%
HK$32,196
baseline
▲ 0.50% · 4.625%
HK$34,155
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,392/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,704
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,608
−HK$917/mo
Today · 4.125%
HK$35,525
baseline
▲ 0.50% · 4.625%
HK$37,398
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,050/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,440 · 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).