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$16,832
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$532/mo
Today · 4.125%
HK$17,888
baseline
▲ 0.50% · 4.625%
HK$18,976
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,776/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,726
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,228
−HK$509/mo
Today · 4.125%
HK$19,737
baseline
▲ 0.50% · 4.625%
HK$20,778
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,474/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,199
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$638/mo
Today · 4.125%
HK$21,465
baseline
▲ 0.50% · 4.625%
HK$22,771
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,930/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,073
−HK$612/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$24,933
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,565
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,298
−HK$745/mo
Today · 4.125%
HK$25,043
baseline
▲ 0.50% · 4.625%
HK$26,567
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,086/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,216
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,919
−HK$713/mo
Today · 4.125%
HK$27,632
baseline
▲ 0.50% · 4.625%
HK$29,089
+HK$1,457/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,264/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,298
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$31,240
−HK$958/mo
Today · 4.125%
HK$32,198
baseline
▲ 0.50% · 4.625%
HK$34,157
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,396/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,610
−HK$917/mo
Today · 4.125%
HK$35,527
baseline
▲ 0.50% · 4.625%
HK$37,400
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,054/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,451 · 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).