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$16,845
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,369
−HK$533/mo
Today · 4.125%
HK$17,902
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,804/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,243
−HK$510/mo
Today · 4.125%
HK$19,753
baseline
▲ 0.50% · 4.625%
HK$20,794
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,506/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,214
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$639/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,789
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,488
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$612/mo
Today · 4.125%
HK$23,703
baseline
▲ 0.50% · 4.625%
HK$24,953
+HK$1,250/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,406/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,317
−HK$745/mo
Today · 4.125%
HK$25,062
baseline
▲ 0.50% · 4.625%
HK$26,587
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,124/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,236
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,940
−HK$714/mo
Today · 4.125%
HK$27,654
baseline
▲ 0.50% · 4.625%
HK$29,111
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,308/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,321
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$958/mo
Today · 4.125%
HK$32,223
baseline
▲ 0.50% · 4.625%
HK$34,184
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,446/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,732
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,637
−HK$918/mo
Today · 4.125%
HK$35,555
baseline
▲ 0.50% · 4.625%
HK$37,429
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,110/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,623 · 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).