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$16,802
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$531/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,942
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,692
−HK$1,010/mo
▼ 0.25% · 3.875%
HK$19,194
−HK$508/mo
Today · 4.125%
HK$19,702
baseline
▲ 0.50% · 4.625%
HK$20,741
+HK$1,039/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,404/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,163
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,790
−HK$637/mo
Today · 4.125%
HK$21,427
baseline
▲ 0.50% · 4.625%
HK$22,731
+HK$1,304/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$42,854/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,431
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,032
−HK$611/mo
Today · 4.125%
HK$23,643
baseline
▲ 0.50% · 4.625%
HK$24,889
+HK$1,246/mo
Deposit HK$2.95M · loan HK$4.42M · min. income ≈ HK$47,286/mo (50% DSR)
Upfront cash ≈ HK$3.17M (deposit + AVD stamp duty HK$221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,523
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$24,255
−HK$743/mo
Today · 4.125%
HK$24,998
baseline
▲ 0.50% · 4.625%
HK$26,519
+HK$1,521/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$49,996/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,169
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$26,871
−HK$712/mo
Today · 4.125%
HK$27,583
baseline
▲ 0.50% · 4.625%
HK$29,037
+HK$1,454/mo
Deposit HK$2.21M · loan HK$5.16M · min. income ≈ HK$55,166/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,244
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,185
−HK$955/mo
Today · 4.125%
HK$32,140
baseline
▲ 0.50% · 4.625%
HK$34,096
+HK$1,956/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$64,280/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$34,548
−HK$916/mo
Today · 4.125%
HK$35,464
baseline
▲ 0.50% · 4.625%
HK$37,333
+HK$1,869/mo
Deposit HK$737K · loan HK$6.63M · min. income ≈ HK$70,928/mo (50% DSR)
Upfront cash ≈ HK$958K (deposit + AVD stamp duty HK$221,056 · 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).