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$16,812
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$532/mo
Today · 4.125%
HK$17,867
baseline
▲ 0.50% · 4.625%
HK$18,954
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,734/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,704
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,205
−HK$509/mo
Today · 4.125%
HK$19,714
baseline
▲ 0.50% · 4.625%
HK$20,753
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,428/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,175
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$637/mo
Today · 4.125%
HK$21,440
baseline
▲ 0.50% · 4.625%
HK$22,745
+HK$1,305/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,880/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,444
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,046
−HK$611/mo
Today · 4.125%
HK$23,657
baseline
▲ 0.50% · 4.625%
HK$24,904
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,314/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,537
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,270
−HK$743/mo
Today · 4.125%
HK$25,013
baseline
▲ 0.50% · 4.625%
HK$26,535
+HK$1,522/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,026/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,185
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,887
−HK$713/mo
Today · 4.125%
HK$27,600
baseline
▲ 0.50% · 4.625%
HK$29,055
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,200/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,262
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$956/mo
Today · 4.125%
HK$32,160
baseline
▲ 0.50% · 4.625%
HK$34,117
+HK$1,957/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,320/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,570
−HK$916/mo
Today · 4.125%
HK$35,486
baseline
▲ 0.50% · 4.625%
HK$37,356
+HK$1,870/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,972/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,192 · 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).