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$16,809
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$531/mo
Today · 4.125%
HK$17,863
baseline
▲ 0.50% · 4.625%
HK$18,950
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,726/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,700
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,201
−HK$509/mo
Today · 4.125%
HK$19,710
baseline
▲ 0.50% · 4.625%
HK$20,749
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,420/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,171
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$637/mo
Today · 4.125%
HK$21,435
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,870/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,440
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,041
−HK$611/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,532
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,264
−HK$744/mo
Today · 4.125%
HK$25,008
baseline
▲ 0.50% · 4.625%
HK$26,530
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,016/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,180
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,882
−HK$712/mo
Today · 4.125%
HK$27,594
baseline
▲ 0.50% · 4.625%
HK$29,048
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,188/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,256
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$956/mo
Today · 4.125%
HK$32,153
baseline
▲ 0.50% · 4.625%
HK$34,110
+HK$1,957/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,306/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,659
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,562
−HK$916/mo
Today · 4.125%
HK$35,478
baseline
▲ 0.50% · 4.625%
HK$37,348
+HK$1,870/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,956/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,144 · 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).