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$16,824
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$532/mo
Today · 4.125%
HK$17,879
baseline
▲ 0.50% · 4.625%
HK$18,967
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,758/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,716
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,218
−HK$510/mo
Today · 4.125%
HK$19,728
baseline
▲ 0.50% · 4.625%
HK$20,767
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,456/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,189
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,817
−HK$638/mo
Today · 4.125%
HK$21,455
baseline
▲ 0.50% · 4.625%
HK$22,760
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,910/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,062
−HK$611/mo
Today · 4.125%
HK$23,673
baseline
▲ 0.50% · 4.625%
HK$24,921
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,346/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,553
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,286
−HK$744/mo
Today · 4.125%
HK$25,030
baseline
▲ 0.50% · 4.625%
HK$26,553
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,060/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,203
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,906
−HK$713/mo
Today · 4.125%
HK$27,619
baseline
▲ 0.50% · 4.625%
HK$29,074
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,238/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,283
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$31,225
−HK$957/mo
Today · 4.125%
HK$32,182
baseline
▲ 0.50% · 4.625%
HK$34,140
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,364/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,593
−HK$917/mo
Today · 4.125%
HK$35,510
baseline
▲ 0.50% · 4.625%
HK$37,381
+HK$1,871/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,020/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,342 · 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).