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$16,811
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,334
−HK$531/mo
Today · 4.125%
HK$17,865
baseline
▲ 0.50% · 4.625%
HK$18,952
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,730/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,702
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,204
−HK$508/mo
Today · 4.125%
HK$19,712
baseline
▲ 0.50% · 4.625%
HK$20,751
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,424/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,173
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$637/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,743
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$611/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$24,902
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,535
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,267
−HK$744/mo
Today · 4.125%
HK$25,011
baseline
▲ 0.50% · 4.625%
HK$26,533
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,022/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,183
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,885
−HK$712/mo
Today · 4.125%
HK$27,597
baseline
▲ 0.50% · 4.625%
HK$29,052
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,194/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,260
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,201
−HK$956/mo
Today · 4.125%
HK$32,157
baseline
▲ 0.50% · 4.625%
HK$34,114
+HK$1,957/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,314/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,664
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,566
−HK$916/mo
Today · 4.125%
HK$35,482
baseline
▲ 0.50% · 4.625%
HK$37,353
+HK$1,871/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,964/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,172 · 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).