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$16,850
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$533/mo
Today · 4.125%
HK$17,907
baseline
▲ 0.50% · 4.625%
HK$18,996
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,814/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,745
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,248
−HK$510/mo
Today · 4.125%
HK$19,758
baseline
▲ 0.50% · 4.625%
HK$20,800
+HK$1,042/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,516/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,220
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$639/mo
Today · 4.125%
HK$21,488
baseline
▲ 0.50% · 4.625%
HK$22,795
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,976/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$612/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,590
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,324
−HK$745/mo
Today · 4.125%
HK$25,069
baseline
▲ 0.50% · 4.625%
HK$26,595
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,138/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,244
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,947
−HK$714/mo
Today · 4.125%
HK$27,661
baseline
▲ 0.50% · 4.625%
HK$29,119
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,322/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,330
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$959/mo
Today · 4.125%
HK$32,232
baseline
▲ 0.50% · 4.625%
HK$34,193
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,464/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,742
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,647
−HK$918/mo
Today · 4.125%
HK$35,565
baseline
▲ 0.50% · 4.625%
HK$37,439
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,130/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,685 · 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).