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$16,836
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,359
−HK$532/mo
Today · 4.125%
HK$17,891
baseline
▲ 0.50% · 4.625%
HK$18,980
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,782/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,729
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,232
−HK$509/mo
Today · 4.125%
HK$19,741
baseline
▲ 0.50% · 4.625%
HK$20,782
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,482/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,203
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$639/mo
Today · 4.125%
HK$21,470
baseline
▲ 0.50% · 4.625%
HK$22,776
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,940/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,475
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$612/mo
Today · 4.125%
HK$23,690
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,248/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,380/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,570
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,303
−HK$745/mo
Today · 4.125%
HK$25,048
baseline
▲ 0.50% · 4.625%
HK$26,572
+HK$1,524/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$50,096/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,221
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,925
−HK$713/mo
Today · 4.125%
HK$27,638
baseline
▲ 0.50% · 4.625%
HK$29,095
+HK$1,457/mo
Deposit HK$2.21M · loan HK$5.17M · min. income ≈ HK$55,276/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,304
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$958/mo
Today · 4.125%
HK$32,205
baseline
▲ 0.50% · 4.625%
HK$34,164
+HK$1,959/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$64,410/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,713
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,617
−HK$918/mo
Today · 4.125%
HK$35,535
baseline
▲ 0.50% · 4.625%
HK$37,408
+HK$1,873/mo
Deposit HK$738K · loan HK$6.64M · min. income ≈ HK$71,070/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,497 · 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).