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$16,935
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,462
−HK$535/mo
Today · 4.125%
HK$17,997
baseline
▲ 0.50% · 4.625%
HK$19,092
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,994/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,840
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,345
−HK$513/mo
Today · 4.125%
HK$19,858
baseline
▲ 0.50% · 4.625%
HK$20,905
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,716/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,322
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,954
−HK$642/mo
Today · 4.125%
HK$21,596
baseline
▲ 0.50% · 4.625%
HK$22,911
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,192/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,608
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,214
−HK$616/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,086
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,709
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,447
−HK$749/mo
Today · 4.125%
HK$25,196
baseline
▲ 0.50% · 4.625%
HK$26,729
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,392/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,376
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,084
−HK$717/mo
Today · 4.125%
HK$27,801
baseline
▲ 0.50% · 4.625%
HK$29,267
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,602/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,483
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,431
−HK$964/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,366
+HK$1,971/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$922/mo
Today · 4.125%
HK$35,744
baseline
▲ 0.50% · 4.625%
HK$37,628
+HK$1,884/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,488/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,805 · 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).