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$1,055/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$532/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,772/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,724
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,226
−HK$510/mo
Today · 4.125%
HK$19,736
baseline
▲ 0.50% · 4.625%
HK$20,776
+HK$1,040/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$221,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,197
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,825
−HK$638/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,769
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,469
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$611/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$24,931
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,563
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,296
−HK$745/mo
Today · 4.125%
HK$25,041
baseline
▲ 0.50% · 4.625%
HK$26,564
+HK$1,523/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$221,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,214
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,917
−HK$713/mo
Today · 4.125%
HK$27,630
baseline
▲ 0.50% · 4.625%
HK$29,086
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,260/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,295
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,238
−HK$957/mo
Today · 4.125%
HK$32,195
baseline
▲ 0.50% · 4.625%
HK$34,154
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,390/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,703
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,607
−HK$917/mo
Today · 4.125%
HK$35,524
baseline
▲ 0.50% · 4.625%
HK$37,397
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,048/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,433 · 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).