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$16,843
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,367
−HK$533/mo
Today · 4.125%
HK$17,900
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$1,089/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,800/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,738
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,241
−HK$509/mo
Today · 4.125%
HK$19,750
baseline
▲ 0.50% · 4.625%
HK$20,791
+HK$1,041/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,500/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$221,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,212
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$638/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,307/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,486
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,089
−HK$612/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$24,950
+HK$1,249/mo
Deposit HK$2.95M · loan HK$4.43M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,581
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$24,314
−HK$745/mo
Today · 4.125%
HK$25,059
baseline
▲ 0.50% · 4.625%
HK$26,584
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,118/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,233
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,937
−HK$714/mo
Today · 4.125%
HK$27,651
baseline
▲ 0.50% · 4.625%
HK$29,108
+HK$1,457/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,302/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,318
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$958/mo
Today · 4.125%
HK$32,219
baseline
▲ 0.50% · 4.625%
HK$34,180
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,438/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,729
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$34,633
−HK$918/mo
Today · 4.125%
HK$35,551
baseline
▲ 0.50% · 4.625%
HK$37,425
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,102/mo (50% DSR)
Upfront cash ≈ HK$960K (deposit + AVD stamp duty HK$221,599 · 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).