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$16,847
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$532/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,993
+HK$1,090/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,245
−HK$510/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,796
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$639/mo
Today · 4.125%
HK$21,484
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,968/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,490
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$611/mo
Today · 4.125%
HK$23,705
baseline
▲ 0.50% · 4.625%
HK$24,955
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,410/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,586
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,319
−HK$746/mo
Today · 4.125%
HK$25,065
baseline
▲ 0.50% · 4.625%
HK$26,590
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,130/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,239
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$714/mo
Today · 4.125%
HK$27,656
baseline
▲ 0.50% · 4.625%
HK$29,114
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,312/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,324
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,268
−HK$958/mo
Today · 4.125%
HK$32,226
baseline
▲ 0.50% · 4.625%
HK$34,187
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,452/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,736
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,640
−HK$918/mo
Today · 4.125%
HK$35,558
baseline
▲ 0.50% · 4.625%
HK$37,432
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,116/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,645 · 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).