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$16,848
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$532/mo
Today · 4.125%
HK$17,904
baseline
▲ 0.50% · 4.625%
HK$18,994
+HK$1,090/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$35,808/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,743
−HK$1,012/mo
▼ 0.25% · 3.875%
HK$19,246
−HK$509/mo
Today · 4.125%
HK$19,755
baseline
▲ 0.50% · 4.625%
HK$20,797
+HK$1,042/mo
Deposit HK$3.69M · loan HK$3.69M · min. income ≈ HK$39,510/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$221,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,217
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,846
−HK$639/mo
Today · 4.125%
HK$21,485
baseline
▲ 0.50% · 4.625%
HK$22,792
+HK$1,307/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$42,970/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,491
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,095
−HK$612/mo
Today · 4.125%
HK$23,707
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,249/mo
Deposit HK$2.96M · loan HK$4.43M · min. income ≈ HK$47,414/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$221,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,587
−HK$1,479/mo
▼ 0.25% · 3.875%
HK$24,320
−HK$746/mo
Today · 4.125%
HK$25,066
baseline
▲ 0.50% · 4.625%
HK$26,591
+HK$1,525/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$50,132/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,240
−HK$1,418/mo
▼ 0.25% · 3.875%
HK$26,944
−HK$714/mo
Today · 4.125%
HK$27,658
baseline
▲ 0.50% · 4.625%
HK$29,116
+HK$1,458/mo
Deposit HK$2.22M · loan HK$5.17M · min. income ≈ HK$55,316/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$221,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,326
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$31,269
−HK$958/mo
Today · 4.125%
HK$32,227
baseline
▲ 0.50% · 4.625%
HK$34,188
+HK$1,961/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$64,454/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,737
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$34,642
−HK$918/mo
Today · 4.125%
HK$35,560
baseline
▲ 0.50% · 4.625%
HK$37,434
+HK$1,874/mo
Deposit HK$739K · loan HK$6.65M · min. income ≈ HK$71,120/mo (50% DSR)
Upfront cash ≈ HK$961K (deposit + AVD stamp duty HK$221,655 · 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).