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$16,846
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,370
−HK$533/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,742
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,244
−HK$510/mo
Today · 4.125%
HK$19,754
baseline
▲ 0.50% · 4.625%
HK$20,795
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,508/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,216
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$638/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,490
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$612/mo
Today · 4.125%
HK$23,705
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,249/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,410/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,585
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,319
−HK$745/mo
Today · 4.125%
HK$25,064
baseline
▲ 0.50% · 4.625%
HK$26,589
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,128/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,238
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,942
−HK$714/mo
Today · 4.125%
HK$27,656
baseline
▲ 0.50% · 4.625%
HK$29,113
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,312/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,324
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,267
−HK$958/mo
Today · 4.125%
HK$32,225
baseline
▲ 0.50% · 4.625%
HK$34,186
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,450/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,735
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,639
−HK$918/mo
Today · 4.125%
HK$35,557
baseline
▲ 0.50% · 4.625%
HK$37,432
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,114/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,640 · 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).