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$16,833
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$532/mo
Today · 4.125%
HK$17,888
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,776/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,726
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,229
−HK$509/mo
Today · 4.125%
HK$19,738
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,476/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,828
−HK$638/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,472
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$612/mo
Today · 4.125%
HK$23,686
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,372/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,566
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,299
−HK$745/mo
Today · 4.125%
HK$25,044
baseline
▲ 0.50% · 4.625%
HK$26,568
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,088/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,217
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,920
−HK$713/mo
Today · 4.125%
HK$27,633
baseline
▲ 0.50% · 4.625%
HK$29,090
+HK$1,457/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,266/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,299
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,241
−HK$958/mo
Today · 4.125%
HK$32,199
baseline
▲ 0.50% · 4.625%
HK$34,158
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,398/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,707
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,611
−HK$917/mo
Today · 4.125%
HK$35,528
baseline
▲ 0.50% · 4.625%
HK$37,401
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,056/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,460 · 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).