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$16,929
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,456
−HK$535/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$19,086
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,339
−HK$512/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,947
−HK$642/mo
Today · 4.125%
HK$21,589
baseline
▲ 0.50% · 4.625%
HK$22,903
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,178/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,600
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,207
−HK$615/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,077
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,701
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$749/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,720
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,367
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$718/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,473
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,421
−HK$963/mo
Today · 4.125%
HK$32,384
baseline
▲ 0.50% · 4.625%
HK$34,354
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,768/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,810
−HK$922/mo
Today · 4.125%
HK$35,732
baseline
▲ 0.50% · 4.625%
HK$37,616
+HK$1,884/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,464/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,730 · 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).