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$16,851
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,375
−HK$533/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,997
+HK$1,089/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,816/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,747
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,249
−HK$511/mo
Today · 4.125%
HK$19,760
baseline
▲ 0.50% · 4.625%
HK$20,801
+HK$1,041/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,520/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,221
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$639/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,797
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$612/mo
Today · 4.125%
HK$23,711
baseline
▲ 0.50% · 4.625%
HK$24,961
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,422/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,592
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,325
−HK$746/mo
Today · 4.125%
HK$25,071
baseline
▲ 0.50% · 4.625%
HK$26,596
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,142/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,245
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,949
−HK$714/mo
Today · 4.125%
HK$27,663
baseline
▲ 0.50% · 4.625%
HK$29,122
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,326/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,332
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$958/mo
Today · 4.125%
HK$32,234
baseline
▲ 0.50% · 4.625%
HK$34,195
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,468/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,744
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,649
−HK$918/mo
Today · 4.125%
HK$35,567
baseline
▲ 0.50% · 4.625%
HK$37,442
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,134/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,701 · 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).