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$16,844
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$532/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,990
+HK$1,090/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,739
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,241
−HK$510/mo
Today · 4.125%
HK$19,751
baseline
▲ 0.50% · 4.625%
HK$20,792
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,502/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,213
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$638/mo
Today · 4.125%
HK$21,480
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,308/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,960/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,090
−HK$612/mo
Today · 4.125%
HK$23,702
baseline
▲ 0.50% · 4.625%
HK$24,951
+HK$1,249/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$221,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,582
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,315
−HK$746/mo
Today · 4.125%
HK$25,061
baseline
▲ 0.50% · 4.625%
HK$26,585
+HK$1,524/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$221,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,234
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,938
−HK$714/mo
Today · 4.125%
HK$27,652
baseline
▲ 0.50% · 4.625%
HK$29,109
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,304/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,319
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$31,263
−HK$958/mo
Today · 4.125%
HK$32,221
baseline
▲ 0.50% · 4.625%
HK$34,181
+HK$1,960/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,442/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,730
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,635
−HK$917/mo
Today · 4.125%
HK$35,552
baseline
▲ 0.50% · 4.625%
HK$37,426
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,104/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,609 · 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).