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$16,841
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$532/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,986
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,794/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,736
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,238
−HK$510/mo
Today · 4.125%
HK$19,748
baseline
▲ 0.50% · 4.625%
HK$20,789
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,496/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,209
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,838
−HK$639/mo
Today · 4.125%
HK$21,477
baseline
▲ 0.50% · 4.625%
HK$22,784
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,954/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,483
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,086
−HK$612/mo
Today · 4.125%
HK$23,698
baseline
▲ 0.50% · 4.625%
HK$24,947
+HK$1,249/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,396/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,578
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,311
−HK$745/mo
Today · 4.125%
HK$25,056
baseline
▲ 0.50% · 4.625%
HK$26,581
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,112/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,230
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,933
−HK$714/mo
Today · 4.125%
HK$27,647
baseline
▲ 0.50% · 4.625%
HK$29,104
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,294/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,314
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,257
−HK$958/mo
Today · 4.125%
HK$32,215
baseline
▲ 0.50% · 4.625%
HK$34,175
+HK$1,960/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,430/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,724
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,629
−HK$917/mo
Today · 4.125%
HK$35,546
baseline
▲ 0.50% · 4.625%
HK$37,420
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,092/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,571 · 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).