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$16,837
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,361
−HK$532/mo
Today · 4.125%
HK$17,893
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$1,088/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,786/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,731
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,233
−HK$510/mo
Today · 4.125%
HK$19,743
baseline
▲ 0.50% · 4.625%
HK$20,783
+HK$1,040/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,486/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,204
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$638/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,778
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,080
−HK$611/mo
Today · 4.125%
HK$23,691
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,249/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,382/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,572
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,305
−HK$745/mo
Today · 4.125%
HK$25,050
baseline
▲ 0.50% · 4.625%
HK$26,574
+HK$1,524/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,100/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,223
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,926
−HK$714/mo
Today · 4.125%
HK$27,640
baseline
▲ 0.50% · 4.625%
HK$29,097
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,280/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,306
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$958/mo
Today · 4.125%
HK$32,207
baseline
▲ 0.50% · 4.625%
HK$34,167
+HK$1,960/mo
Deposit HK$738K · loan HK$6.65M · min. income ≈ HK$64,414/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$34,620
−HK$917/mo
Today · 4.125%
HK$35,537
baseline
▲ 0.50% · 4.625%
HK$37,410
+HK$1,873/mo
Deposit HK$738K · loan HK$6.65M · min. income ≈ HK$71,074/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,513 · 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).