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$16,799
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$531/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$221,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,689
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,190
−HK$509/mo
Today · 4.125%
HK$19,699
baseline
▲ 0.50% · 4.625%
HK$20,737
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,398/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$221,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,159
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,786
−HK$637/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$610/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$24,884
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,519
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,250
−HK$744/mo
Today · 4.125%
HK$24,994
baseline
▲ 0.50% · 4.625%
HK$26,514
+HK$1,520/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,988/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,164
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,866
−HK$712/mo
Today · 4.125%
HK$27,578
baseline
▲ 0.50% · 4.625%
HK$29,032
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,156/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,239
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,179
−HK$956/mo
Today · 4.125%
HK$32,135
baseline
▲ 0.50% · 4.625%
HK$34,090
+HK$1,955/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,270/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,640
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,542
−HK$916/mo
Today · 4.125%
HK$35,458
baseline
▲ 0.50% · 4.625%
HK$37,327
+HK$1,869/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,916/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,017 · 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).