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$16,854
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$532/mo
Today · 4.125%
HK$17,910
baseline
▲ 0.50% · 4.625%
HK$19,000
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,820/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,749
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,252
−HK$510/mo
Today · 4.125%
HK$19,762
baseline
▲ 0.50% · 4.625%
HK$20,804
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,524/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,224
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,853
−HK$640/mo
Today · 4.125%
HK$21,493
baseline
▲ 0.50% · 4.625%
HK$22,800
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,986/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,499
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,103
−HK$612/mo
Today · 4.125%
HK$23,715
baseline
▲ 0.50% · 4.625%
HK$24,965
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,430/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,595
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,329
−HK$746/mo
Today · 4.125%
HK$25,075
baseline
▲ 0.50% · 4.625%
HK$26,600
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,150/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,249
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,953
−HK$714/mo
Today · 4.125%
HK$27,667
baseline
▲ 0.50% · 4.625%
HK$29,126
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,334/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,336
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,280
−HK$959/mo
Today · 4.125%
HK$32,239
baseline
▲ 0.50% · 4.625%
HK$34,200
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,478/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,749
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,654
−HK$918/mo
Today · 4.125%
HK$35,572
baseline
▲ 0.50% · 4.625%
HK$37,447
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,144/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,733 · 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).