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$16,857
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,382
−HK$532/mo
Today · 4.125%
HK$17,914
baseline
▲ 0.50% · 4.625%
HK$19,004
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,828/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,754
−HK$1,013/mo
▼ 0.25% · 3.875%
HK$19,256
−HK$511/mo
Today · 4.125%
HK$19,767
baseline
▲ 0.50% · 4.625%
HK$20,809
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,534/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,229
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,858
−HK$639/mo
Today · 4.125%
HK$21,497
baseline
▲ 0.50% · 4.625%
HK$22,805
+HK$1,308/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$42,994/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,504
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$612/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$24,970
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,600
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,334
−HK$746/mo
Today · 4.125%
HK$25,080
baseline
▲ 0.50% · 4.625%
HK$26,606
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,160/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,255
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,959
−HK$714/mo
Today · 4.125%
HK$27,673
baseline
▲ 0.50% · 4.625%
HK$29,132
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,346/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,343
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$31,287
−HK$959/mo
Today · 4.125%
HK$32,246
baseline
▲ 0.50% · 4.625%
HK$34,208
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,492/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,756
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$918/mo
Today · 4.125%
HK$35,580
baseline
▲ 0.50% · 4.625%
HK$37,456
+HK$1,876/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,160/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,781 · 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).