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$16,859
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$533/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$510/mo
Today · 4.125%
HK$19,769
baseline
▲ 0.50% · 4.625%
HK$20,811
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,538/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,231
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$639/mo
Today · 4.125%
HK$21,500
baseline
▲ 0.50% · 4.625%
HK$22,808
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,000/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,507
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$612/mo
Today · 4.125%
HK$23,723
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,446/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,603
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,337
−HK$746/mo
Today · 4.125%
HK$25,083
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,166/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,258
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$714/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,347
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,291
−HK$959/mo
Today · 4.125%
HK$32,250
baseline
▲ 0.50% · 4.625%
HK$34,212
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,500/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,761
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,666
−HK$919/mo
Today · 4.125%
HK$35,585
baseline
▲ 0.50% · 4.625%
HK$37,460
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,170/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,810 · 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).