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$16,821
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,345
−HK$531/mo
Today · 4.125%
HK$17,876
baseline
▲ 0.50% · 4.625%
HK$18,964
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,752/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,714
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,215
−HK$510/mo
Today · 4.125%
HK$19,725
baseline
▲ 0.50% · 4.625%
HK$20,764
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,450/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,186
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,813
−HK$638/mo
Today · 4.125%
HK$21,451
baseline
▲ 0.50% · 4.625%
HK$22,757
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,902/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,456
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,059
−HK$611/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$24,917
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,550
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,282
−HK$745/mo
Today · 4.125%
HK$25,027
baseline
▲ 0.50% · 4.625%
HK$26,549
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,054/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,199
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,902
−HK$712/mo
Today · 4.125%
HK$27,614
baseline
▲ 0.50% · 4.625%
HK$29,070
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,228/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,278
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,220
−HK$957/mo
Today · 4.125%
HK$32,177
baseline
▲ 0.50% · 4.625%
HK$34,135
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,354/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,684
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,588
−HK$916/mo
Today · 4.125%
HK$35,504
baseline
▲ 0.50% · 4.625%
HK$37,376
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,008/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,309 · 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).