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$16,922
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,448
−HK$535/mo
Today · 4.125%
HK$17,983
baseline
▲ 0.50% · 4.625%
HK$19,077
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,966/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,825
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,330
−HK$512/mo
Today · 4.125%
HK$19,842
baseline
▲ 0.50% · 4.625%
HK$20,888
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,684/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,306
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$641/mo
Today · 4.125%
HK$21,579
baseline
▲ 0.50% · 4.625%
HK$22,892
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,158/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$615/mo
Today · 4.125%
HK$23,811
baseline
▲ 0.50% · 4.625%
HK$25,066
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,622/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,690
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$749/mo
Today · 4.125%
HK$25,176
baseline
▲ 0.50% · 4.625%
HK$26,708
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,352/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,062
−HK$717/mo
Today · 4.125%
HK$27,779
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,558/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$963/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,339
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,794
−HK$922/mo
Today · 4.125%
HK$35,716
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$1,883/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,432/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,629 · 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).