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$17,366
−HK$533/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$221,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,737
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,240
−HK$509/mo
Today · 4.125%
HK$19,749
baseline
▲ 0.50% · 4.625%
HK$20,790
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,498/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,211
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$638/mo
Today · 4.125%
HK$21,478
baseline
▲ 0.50% · 4.625%
HK$22,785
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,956/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,485
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$611/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,250/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,398/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,580
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,313
−HK$745/mo
Today · 4.125%
HK$25,058
baseline
▲ 0.50% · 4.625%
HK$26,583
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,116/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,232
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,936
−HK$713/mo
Today · 4.125%
HK$27,649
baseline
▲ 0.50% · 4.625%
HK$29,107
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,298/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,588 · 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$34,178
+HK$1,960/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$221,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,631
−HK$918/mo
Today · 4.125%
HK$35,549
baseline
▲ 0.50% · 4.625%
HK$37,423
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,098/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,588 · 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).