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$16,838
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$532/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,983
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,788/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,732
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,234
−HK$510/mo
Today · 4.125%
HK$19,744
baseline
▲ 0.50% · 4.625%
HK$20,785
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,488/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,206
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,834
−HK$639/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,779
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,478
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,081
−HK$612/mo
Today · 4.125%
HK$23,693
baseline
▲ 0.50% · 4.625%
HK$24,942
+HK$1,249/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,386/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,573
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,306
−HK$745/mo
Today · 4.125%
HK$25,051
baseline
▲ 0.50% · 4.625%
HK$26,576
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,102/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,225
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,928
−HK$714/mo
Today · 4.125%
HK$27,642
baseline
▲ 0.50% · 4.625%
HK$29,099
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,284/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,308
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,251
−HK$958/mo
Today · 4.125%
HK$32,209
baseline
▲ 0.50% · 4.625%
HK$34,169
+HK$1,960/mo
Deposit HK$738K · loan HK$6.65M · min. income ≈ HK$64,418/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,718
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,622
−HK$917/mo
Today · 4.125%
HK$35,539
baseline
▲ 0.50% · 4.625%
HK$37,413
+HK$1,874/mo
Deposit HK$738K · loan HK$6.65M · min. income ≈ HK$71,078/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,527 · 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).