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$16,839
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,363
−HK$532/mo
Today · 4.125%
HK$17,895
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,790/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,734
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,236
−HK$510/mo
Today · 4.125%
HK$19,746
baseline
▲ 0.50% · 4.625%
HK$20,787
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,492/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,207
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$638/mo
Today · 4.125%
HK$21,474
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,948/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,480
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$612/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$24,944
+HK$1,249/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,575
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,308
−HK$745/mo
Today · 4.125%
HK$25,053
baseline
▲ 0.50% · 4.625%
HK$26,578
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,106/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,227
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,930
−HK$714/mo
Today · 4.125%
HK$27,644
baseline
▲ 0.50% · 4.625%
HK$29,101
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,288/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,311
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$958/mo
Today · 4.125%
HK$32,212
baseline
▲ 0.50% · 4.625%
HK$34,172
+HK$1,960/mo
Deposit HK$738K · loan HK$6.65M · min. income ≈ HK$64,424/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,625
−HK$917/mo
Today · 4.125%
HK$35,542
baseline
▲ 0.50% · 4.625%
HK$37,416
+HK$1,874/mo
Deposit HK$738K · loan HK$6.65M · min. income ≈ HK$71,084/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,545 · 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).