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$16,853
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$532/mo
Today · 4.125%
HK$17,909
baseline
▲ 0.50% · 4.625%
HK$18,999
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,818/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,748
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,251
−HK$510/mo
Today · 4.125%
HK$19,761
baseline
▲ 0.50% · 4.625%
HK$20,803
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,522/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,223
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$639/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,799
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,498
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$613/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,594
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,328
−HK$745/mo
Today · 4.125%
HK$25,073
baseline
▲ 0.50% · 4.625%
HK$26,599
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,146/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,248
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,952
−HK$714/mo
Today · 4.125%
HK$27,666
baseline
▲ 0.50% · 4.625%
HK$29,124
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,332/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,335
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,278
−HK$959/mo
Today · 4.125%
HK$32,237
baseline
▲ 0.50% · 4.625%
HK$34,199
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,474/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,747
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,652
−HK$918/mo
Today · 4.125%
HK$35,570
baseline
▲ 0.50% · 4.625%
HK$37,445
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,140/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,721 · 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).