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$16,907
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$535/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$19,060
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$512/mo
Today · 4.125%
HK$19,825
baseline
▲ 0.50% · 4.625%
HK$20,870
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,650/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$641/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$615/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,043
+HK$1,253/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,669
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$749/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,684
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$716/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$962/mo
Today · 4.125%
HK$32,340
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,968/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,680/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,855
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$921/mo
Today · 4.125%
HK$35,684
baseline
▲ 0.50% · 4.625%
HK$37,565
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,368/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,431 · 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).