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$16,829
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,353
−HK$532/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,973
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,770/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,722
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,225
−HK$509/mo
Today · 4.125%
HK$19,734
baseline
▲ 0.50% · 4.625%
HK$20,774
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,468/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,195
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,823
−HK$639/mo
Today · 4.125%
HK$21,462
baseline
▲ 0.50% · 4.625%
HK$22,767
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,924/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,467
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,069
−HK$612/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,561
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,294
−HK$744/mo
Today · 4.125%
HK$25,038
baseline
▲ 0.50% · 4.625%
HK$26,562
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,076/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,211
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,914
−HK$713/mo
Today · 4.125%
HK$27,627
baseline
▲ 0.50% · 4.625%
HK$29,084
+HK$1,457/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,254/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,293
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,235
−HK$957/mo
Today · 4.125%
HK$32,192
baseline
▲ 0.50% · 4.625%
HK$34,151
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,384/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,700
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,604
−HK$917/mo
Today · 4.125%
HK$35,521
baseline
▲ 0.50% · 4.625%
HK$37,393
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,042/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,413 · 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).