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$16,849
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$533/mo
Today · 4.125%
HK$17,906
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,812/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,745
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$510/mo
Today · 4.125%
HK$19,757
baseline
▲ 0.50% · 4.625%
HK$20,799
+HK$1,042/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,514/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,219
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,848
−HK$639/mo
Today · 4.125%
HK$21,487
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,974/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$612/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,249/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,589
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,323
−HK$745/mo
Today · 4.125%
HK$25,068
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,136/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,946
−HK$714/mo
Today · 4.125%
HK$27,660
baseline
▲ 0.50% · 4.625%
HK$29,118
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,320/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,329
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$958/mo
Today · 4.125%
HK$32,230
baseline
▲ 0.50% · 4.625%
HK$34,192
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,460/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,645
−HK$918/mo
Today · 4.125%
HK$35,563
baseline
▲ 0.50% · 4.625%
HK$37,438
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,126/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,676 · 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).