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$16,817
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$531/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,959
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,708
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,210
−HK$509/mo
Today · 4.125%
HK$19,719
baseline
▲ 0.50% · 4.625%
HK$20,759
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,438/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,180
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,808
−HK$637/mo
Today · 4.125%
HK$21,445
baseline
▲ 0.50% · 4.625%
HK$22,750
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,890/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,450
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,052
−HK$611/mo
Today · 4.125%
HK$23,663
baseline
▲ 0.50% · 4.625%
HK$24,910
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,326/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,543
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,276
−HK$744/mo
Today · 4.125%
HK$25,020
baseline
▲ 0.50% · 4.625%
HK$26,542
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,040/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,192
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,894
−HK$713/mo
Today · 4.125%
HK$27,607
baseline
▲ 0.50% · 4.625%
HK$29,062
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,214/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,270
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,212
−HK$956/mo
Today · 4.125%
HK$32,168
baseline
▲ 0.50% · 4.625%
HK$34,126
+HK$1,958/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,336/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,675
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,578
−HK$916/mo
Today · 4.125%
HK$35,494
baseline
▲ 0.50% · 4.625%
HK$37,365
+HK$1,871/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,988/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,248 · 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).