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$16,860
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$533/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$1,090/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$35,834/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,756
−HK$1,014/mo
▼ 0.25% · 3.875%
HK$19,259
−HK$511/mo
Today · 4.125%
HK$19,770
baseline
▲ 0.50% · 4.625%
HK$20,812
+HK$1,042/mo
Deposit HK$3.70M · loan HK$3.70M · min. income ≈ HK$39,540/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,232
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$639/mo
Today · 4.125%
HK$21,500
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,309/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$43,000/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,507
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$613/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,250/mo
Deposit HK$2.96M · loan HK$4.44M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,604
−HK$1,480/mo
▼ 0.25% · 3.875%
HK$24,338
−HK$746/mo
Today · 4.125%
HK$25,084
baseline
▲ 0.50% · 4.625%
HK$26,610
+HK$1,526/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$50,168/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,259
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,963
−HK$714/mo
Today · 4.125%
HK$27,677
baseline
▲ 0.50% · 4.625%
HK$29,136
+HK$1,459/mo
Deposit HK$2.22M · loan HK$5.18M · min. income ≈ HK$55,354/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,347
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$31,291
−HK$960/mo
Today · 4.125%
HK$32,251
baseline
▲ 0.50% · 4.625%
HK$34,213
+HK$1,962/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,502/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,761
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$34,667
−HK$918/mo
Today · 4.125%
HK$35,585
baseline
▲ 0.50% · 4.625%
HK$37,461
+HK$1,876/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,170/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,814 · 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).