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$16,828
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$532/mo
Today · 4.125%
HK$17,883
baseline
▲ 0.50% · 4.625%
HK$18,971
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,766/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,721
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,223
−HK$509/mo
Today · 4.125%
HK$19,732
baseline
▲ 0.50% · 4.625%
HK$20,772
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,464/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,193
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$638/mo
Today · 4.125%
HK$21,460
baseline
▲ 0.50% · 4.625%
HK$22,765
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,920/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,465
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,067
−HK$612/mo
Today · 4.125%
HK$23,679
baseline
▲ 0.50% · 4.625%
HK$24,927
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,358/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,559
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,292
−HK$744/mo
Today · 4.125%
HK$25,036
baseline
▲ 0.50% · 4.625%
HK$26,560
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,072/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,209
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,912
−HK$713/mo
Today · 4.125%
HK$27,625
baseline
▲ 0.50% · 4.625%
HK$29,081
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,250/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,290
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,232
−HK$958/mo
Today · 4.125%
HK$32,190
baseline
▲ 0.50% · 4.625%
HK$34,148
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,380/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,697
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,601
−HK$917/mo
Today · 4.125%
HK$35,518
baseline
▲ 0.50% · 4.625%
HK$37,390
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,036/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,394 · 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).