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$16,826
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,350
−HK$532/mo
Today · 4.125%
HK$17,882
baseline
▲ 0.50% · 4.625%
HK$18,970
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,764/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,719
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,221
−HK$510/mo
Today · 4.125%
HK$19,731
baseline
▲ 0.50% · 4.625%
HK$20,771
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,462/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,192
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,820
−HK$638/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,764
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,463
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$611/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$24,925
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,557
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$744/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,068/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,207
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,910
−HK$713/mo
Today · 4.125%
HK$27,623
baseline
▲ 0.50% · 4.625%
HK$29,079
+HK$1,456/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,246/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,288
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,230
−HK$957/mo
Today · 4.125%
HK$32,187
baseline
▲ 0.50% · 4.625%
HK$34,145
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,374/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,695
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,598
−HK$917/mo
Today · 4.125%
HK$35,515
baseline
▲ 0.50% · 4.625%
HK$37,387
+HK$1,872/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,030/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,377 · 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).