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$16,820
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,344
−HK$531/mo
Today · 4.125%
HK$17,875
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,750/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,713
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,214
−HK$510/mo
Today · 4.125%
HK$19,724
baseline
▲ 0.50% · 4.625%
HK$20,763
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,448/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,185
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,812
−HK$638/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,057
−HK$611/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$24,916
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,549
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,281
−HK$744/mo
Today · 4.125%
HK$25,025
baseline
▲ 0.50% · 4.625%
HK$26,548
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,050/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,198
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,900
−HK$713/mo
Today · 4.125%
HK$27,613
baseline
▲ 0.50% · 4.625%
HK$29,069
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,226/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,277
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,219
−HK$957/mo
Today · 4.125%
HK$32,176
baseline
▲ 0.50% · 4.625%
HK$34,133
+HK$1,957/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,352/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,683
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,586
−HK$916/mo
Today · 4.125%
HK$35,502
baseline
▲ 0.50% · 4.625%
HK$37,374
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,004/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,298 · 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).