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$16,860
−HK$1,058/mo
▼ 0.25% · 3.875%
HK$17,385
−HK$533/mo
Today · 4.125%
HK$17,918
baseline
▲ 0.50% · 4.625%
HK$19,008
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,836/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,757
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,260
−HK$510/mo
Today · 4.125%
HK$19,770
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,540/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,862
−HK$639/mo
Today · 4.125%
HK$21,501
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,002/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,508
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$612/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$24,975
+HK$1,251/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$24,339
−HK$746/mo
Today · 4.125%
HK$25,085
baseline
▲ 0.50% · 4.625%
HK$26,611
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,170/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,260
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,964
−HK$714/mo
Today · 4.125%
HK$27,678
baseline
▲ 0.50% · 4.625%
HK$29,137
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,356/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,349
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,293
−HK$959/mo
Today · 4.125%
HK$32,252
baseline
▲ 0.50% · 4.625%
HK$34,214
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,504/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,762
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$919/mo
Today · 4.125%
HK$35,587
baseline
▲ 0.50% · 4.625%
HK$37,462
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,174/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,822 · 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).