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$16,862
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$532/mo
Today · 4.125%
HK$17,919
baseline
▲ 0.50% · 4.625%
HK$19,010
+HK$1,091/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,838/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,759
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,262
−HK$510/mo
Today · 4.125%
HK$19,772
baseline
▲ 0.50% · 4.625%
HK$20,815
+HK$1,043/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,544/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,234
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,864
−HK$639/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,812
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$613/mo
Today · 4.125%
HK$23,727
baseline
▲ 0.50% · 4.625%
HK$24,977
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,454/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,607
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,341
−HK$746/mo
Today · 4.125%
HK$25,087
baseline
▲ 0.50% · 4.625%
HK$26,614
+HK$1,527/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,174/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,262
−HK$1,419/mo
▼ 0.25% · 3.875%
HK$26,967
−HK$714/mo
Today · 4.125%
HK$27,681
baseline
▲ 0.50% · 4.625%
HK$29,140
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,362/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,352
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,296
−HK$959/mo
Today · 4.125%
HK$32,255
baseline
▲ 0.50% · 4.625%
HK$34,218
+HK$1,963/mo
Deposit HK$739K · loan HK$6.66M · min. income ≈ HK$64,510/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,766
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,672
−HK$918/mo
Today · 4.125%
HK$35,590
baseline
▲ 0.50% · 4.625%
HK$37,466
+HK$1,876/mo
Deposit HK$739K · loan HK$6.66M · min. income ≈ HK$71,180/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,844 · 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).