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$16,849
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$532/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$1,090/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,810/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$510/mo
Today · 4.125%
HK$19,757
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,514/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$639/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$612/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$746/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$714/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,271
−HK$959/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$918/mo
Today · 4.125%
HK$35,562
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,124/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,672 · 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).