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$16,819
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$532/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,711
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,213
−HK$509/mo
Today · 4.125%
HK$19,722
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,444/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,183
−HK$1,265/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$221,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,453
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,055
−HK$611/mo
Today · 4.125%
HK$23,666
baseline
▲ 0.50% · 4.625%
HK$24,914
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,332/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,546
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,279
−HK$744/mo
Today · 4.125%
HK$25,023
baseline
▲ 0.50% · 4.625%
HK$26,546
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,046/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,195
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,898
−HK$712/mo
Today · 4.125%
HK$27,610
baseline
▲ 0.50% · 4.625%
HK$29,066
+HK$1,456/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$221,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,274
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,216
−HK$956/mo
Today · 4.125%
HK$32,172
baseline
▲ 0.50% · 4.625%
HK$34,130
+HK$1,958/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,344/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$34,583
−HK$916/mo
Today · 4.125%
HK$35,499
baseline
▲ 0.50% · 4.625%
HK$37,370
+HK$1,871/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$70,998/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,277 · 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).