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$16,849
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$532/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$1,090/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,810/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,744
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,247
−HK$510/mo
Today · 4.125%
HK$19,757
baseline
▲ 0.50% · 4.625%
HK$20,798
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,514/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,218
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,847
−HK$639/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$612/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,322
−HK$745/mo
Today · 4.125%
HK$25,067
baseline
▲ 0.50% · 4.625%
HK$26,593
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,134/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,242
−HK$1,417/mo
▼ 0.25% · 3.875%
HK$26,945
−HK$714/mo
Today · 4.125%
HK$27,659
baseline
▲ 0.50% · 4.625%
HK$29,117
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,318/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,328
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,271
−HK$958/mo
Today · 4.125%
HK$32,229
baseline
▲ 0.50% · 4.625%
HK$34,191
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,458/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,739
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,644
−HK$918/mo
Today · 4.125%
HK$35,562
baseline
▲ 0.50% · 4.625%
HK$37,437
+HK$1,875/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,124/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,669 · 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).