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$16,818
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$531/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,710
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,212
−HK$509/mo
Today · 4.125%
HK$19,721
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,442/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,182
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$638/mo
Today · 4.125%
HK$21,448
baseline
▲ 0.50% · 4.625%
HK$22,753
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,896/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,054
−HK$611/mo
Today · 4.125%
HK$23,665
baseline
▲ 0.50% · 4.625%
HK$24,913
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,330/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,546
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,278
−HK$744/mo
Today · 4.125%
HK$25,022
baseline
▲ 0.50% · 4.625%
HK$26,545
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,044/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,194
−HK$1,416/mo
▼ 0.25% · 3.875%
HK$26,897
−HK$713/mo
Today · 4.125%
HK$27,610
baseline
▲ 0.50% · 4.625%
HK$29,065
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,220/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,273
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$956/mo
Today · 4.125%
HK$32,171
baseline
▲ 0.50% · 4.625%
HK$34,129
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,342/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,678
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,582
−HK$916/mo
Today · 4.125%
HK$35,498
baseline
▲ 0.50% · 4.625%
HK$37,369
+HK$1,871/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$70,996/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,270 · 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).