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$16,830
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$532/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,974
+HK$1,088/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$221,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,723
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,225
−HK$510/mo
Today · 4.125%
HK$19,735
baseline
▲ 0.50% · 4.625%
HK$20,775
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,470/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,196
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,824
−HK$639/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$221,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,468
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$611/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$24,930
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,562
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,295
−HK$745/mo
Today · 4.125%
HK$25,040
baseline
▲ 0.50% · 4.625%
HK$26,563
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,080/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,213
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,916
−HK$713/mo
Today · 4.125%
HK$27,629
baseline
▲ 0.50% · 4.625%
HK$29,085
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,258/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,294
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,237
−HK$957/mo
Today · 4.125%
HK$32,194
baseline
▲ 0.50% · 4.625%
HK$34,153
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,388/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,702
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,606
−HK$917/mo
Today · 4.125%
HK$35,523
baseline
▲ 0.50% · 4.625%
HK$37,395
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,046/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,424 · 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).