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$16,843
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$532/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,988
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,798/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$510/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,211
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$639/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,485
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$612/mo
Today · 4.125%
HK$23,700
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,249/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,400/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,313
−HK$746/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,583
+HK$1,524/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,232
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$714/mo
Today · 4.125%
HK$27,650
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,300/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,317
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,260
−HK$958/mo
Today · 4.125%
HK$32,218
baseline
▲ 0.50% · 4.625%
HK$34,179
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,436/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,632
−HK$918/mo
Today · 4.125%
HK$35,550
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$1,873/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,100/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,592 · 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).