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$16,840
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$532/mo
Today · 4.125%
HK$17,896
baseline
▲ 0.50% · 4.625%
HK$18,985
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,792/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,735
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,237
−HK$510/mo
Today · 4.125%
HK$19,747
baseline
▲ 0.50% · 4.625%
HK$20,788
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,494/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,208
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,837
−HK$639/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,306/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,482
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$612/mo
Today · 4.125%
HK$23,696
baseline
▲ 0.50% · 4.625%
HK$24,945
+HK$1,249/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,392/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,576
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,310
−HK$745/mo
Today · 4.125%
HK$25,055
baseline
▲ 0.50% · 4.625%
HK$26,579
+HK$1,524/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,110/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,228
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,932
−HK$714/mo
Today · 4.125%
HK$27,646
baseline
▲ 0.50% · 4.625%
HK$29,103
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,292/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,312
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,255
−HK$958/mo
Today · 4.125%
HK$32,213
baseline
▲ 0.50% · 4.625%
HK$34,173
+HK$1,960/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,426/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,722
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,627
−HK$917/mo
Today · 4.125%
HK$35,544
baseline
▲ 0.50% · 4.625%
HK$37,418
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,088/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,558 · 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).