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$16,814
−HK$1,055/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$531/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,956
+HK$1,087/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,738/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,706
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$19,208
−HK$509/mo
Today · 4.125%
HK$19,717
baseline
▲ 0.50% · 4.625%
HK$20,756
+HK$1,039/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,434/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,177
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$638/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$611/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,247/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,540
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,273
−HK$743/mo
Today · 4.125%
HK$25,016
baseline
▲ 0.50% · 4.625%
HK$26,539
+HK$1,523/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,032/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,188
−HK$1,415/mo
▼ 0.25% · 3.875%
HK$26,891
−HK$712/mo
Today · 4.125%
HK$27,603
baseline
▲ 0.50% · 4.625%
HK$29,058
+HK$1,455/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,206/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,266
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$31,208
−HK$956/mo
Today · 4.125%
HK$32,164
baseline
▲ 0.50% · 4.625%
HK$34,121
+HK$1,957/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$64,328/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$34,574
−HK$916/mo
Today · 4.125%
HK$35,490
baseline
▲ 0.50% · 4.625%
HK$37,361
+HK$1,871/mo
Deposit HK$737K · loan HK$6.64M · min. income ≈ HK$70,980/mo (50% DSR)
Upfront cash ≈ HK$959K (deposit + AVD stamp duty HK$221,219 · 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).