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$16,855
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$533/mo
Today · 4.125%
HK$17,912
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$1,089/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,824/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,751
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,253
−HK$511/mo
Today · 4.125%
HK$19,764
baseline
▲ 0.50% · 4.625%
HK$20,805
+HK$1,041/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,528/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,226
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,855
−HK$639/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,802
+HK$1,308/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$221,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,501
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$612/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,251/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$221,747 · 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$221,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,251
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,955
−HK$714/mo
Today · 4.125%
HK$27,669
baseline
▲ 0.50% · 4.625%
HK$29,128
+HK$1,459/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$221,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,338
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,282
−HK$959/mo
Today · 4.125%
HK$32,241
baseline
▲ 0.50% · 4.625%
HK$34,203
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,482/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,656
−HK$919/mo
Today · 4.125%
HK$35,575
baseline
▲ 0.50% · 4.625%
HK$37,450
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,150/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,747 · 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).