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$16,856
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,380
−HK$533/mo
Today · 4.125%
HK$17,913
baseline
▲ 0.50% · 4.625%
HK$19,003
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,826/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,752
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,255
−HK$510/mo
Today · 4.125%
HK$19,765
baseline
▲ 0.50% · 4.625%
HK$20,807
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,530/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,227
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$639/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,804
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,503
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$613/mo
Today · 4.125%
HK$23,719
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,438/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,599
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,333
−HK$745/mo
Today · 4.125%
HK$25,078
baseline
▲ 0.50% · 4.625%
HK$26,604
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,156/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,253
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,957
−HK$715/mo
Today · 4.125%
HK$27,672
baseline
▲ 0.50% · 4.625%
HK$29,130
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,344/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,341
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$959/mo
Today · 4.125%
HK$32,244
baseline
▲ 0.50% · 4.625%
HK$34,206
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,488/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,754
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$919/mo
Today · 4.125%
HK$35,578
baseline
▲ 0.50% · 4.625%
HK$37,453
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,156/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,767 · 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).