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$16,854
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$532/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,822/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,750
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$510/mo
Today · 4.125%
HK$19,763
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,526/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,225
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$640/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,801
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,500
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$612/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,596
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,330
−HK$746/mo
Today · 4.125%
HK$25,076
baseline
▲ 0.50% · 4.625%
HK$26,602
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,152/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,250
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,954
−HK$715/mo
Today · 4.125%
HK$27,669
baseline
▲ 0.50% · 4.625%
HK$29,127
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,338/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,282
−HK$958/mo
Today · 4.125%
HK$32,240
baseline
▲ 0.50% · 4.625%
HK$34,202
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,480/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,656
−HK$918/mo
Today · 4.125%
HK$35,574
baseline
▲ 0.50% · 4.625%
HK$37,449
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,148/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,744 · 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).