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$16,848
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$533/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$1,089/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$221,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$510/mo
Today · 4.125%
HK$19,756
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,042/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,512/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,218
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,847
−HK$639/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,793
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,492
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,095
−HK$612/mo
Today · 4.125%
HK$23,707
baseline
▲ 0.50% · 4.625%
HK$24,957
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,414/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,321
−HK$746/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,592
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,241
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$714/mo
Today · 4.125%
HK$27,659
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,318/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,327
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,270
−HK$959/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$34,190
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,738
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,643
−HK$918/mo
Today · 4.125%
HK$35,561
baseline
▲ 0.50% · 4.625%
HK$37,436
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,122/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,663 · 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).