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$16,804
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$531/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,944
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,694
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,195
−HK$509/mo
Today · 4.125%
HK$19,704
baseline
▲ 0.50% · 4.625%
HK$20,743
+HK$1,039/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,408/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,165
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,792
−HK$637/mo
Today · 4.125%
HK$21,429
baseline
▲ 0.50% · 4.625%
HK$22,733
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,858/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,433
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$610/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$24,891
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,290/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,525
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$24,257
−HK$744/mo
Today · 4.125%
HK$25,001
baseline
▲ 0.50% · 4.625%
HK$26,522
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$50,002/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,172
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,874
−HK$712/mo
Today · 4.125%
HK$27,586
baseline
▲ 0.50% · 4.625%
HK$29,040
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,172/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,247
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$31,188
−HK$956/mo
Today · 4.125%
HK$32,144
baseline
▲ 0.50% · 4.625%
HK$34,100
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,288/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,649
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,552
−HK$915/mo
Today · 4.125%
HK$35,467
baseline
▲ 0.50% · 4.625%
HK$37,337
+HK$1,870/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,934/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,079 · 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).