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$1,056/mo
▼ 0.25% · 3.875%
HK$17,369
−HK$532/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,802/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,740
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,242
−HK$510/mo
Today · 4.125%
HK$19,752
baseline
▲ 0.50% · 4.625%
HK$20,793
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,504/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,214
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$639/mo
Today · 4.125%
HK$21,481
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,962/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$611/mo
Today · 4.125%
HK$23,702
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,250/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,404/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,583
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,316
−HK$745/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,586
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,122/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,235
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,939
−HK$714/mo
Today · 4.125%
HK$27,653
baseline
▲ 0.50% · 4.625%
HK$29,110
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,306/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,320
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,264
−HK$958/mo
Today · 4.125%
HK$32,222
baseline
▲ 0.50% · 4.625%
HK$34,182
+HK$1,960/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,444/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,731
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,636
−HK$918/mo
Today · 4.125%
HK$35,554
baseline
▲ 0.50% · 4.625%
HK$37,428
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,108/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,616 · 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).