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$16,812
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$531/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,953
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,732/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,703
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,204
−HK$509/mo
Today · 4.125%
HK$19,713
baseline
▲ 0.50% · 4.625%
HK$20,752
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,426/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,174
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$638/mo
Today · 4.125%
HK$21,439
baseline
▲ 0.50% · 4.625%
HK$22,744
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,878/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,443
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,045
−HK$611/mo
Today · 4.125%
HK$23,656
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,312/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,536
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,268
−HK$744/mo
Today · 4.125%
HK$25,012
baseline
▲ 0.50% · 4.625%
HK$26,534
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,024/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,184
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,886
−HK$713/mo
Today · 4.125%
HK$27,599
baseline
▲ 0.50% · 4.625%
HK$29,053
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,198/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,261
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,202
−HK$957/mo
Today · 4.125%
HK$32,159
baseline
▲ 0.50% · 4.625%
HK$34,115
+HK$1,956/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,318/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,665
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,568
−HK$916/mo
Today · 4.125%
HK$35,484
baseline
▲ 0.50% · 4.625%
HK$37,354
+HK$1,870/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,968/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,181 · 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).