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$16,941
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,468
−HK$536/mo
Today · 4.125%
HK$18,004
baseline
▲ 0.50% · 4.625%
HK$19,099
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$36,008/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,847
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,353
−HK$512/mo
Today · 4.125%
HK$19,865
baseline
▲ 0.50% · 4.625%
HK$20,912
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,730/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,962
−HK$642/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,919
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$615/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,095
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,456
−HK$749/mo
Today · 4.125%
HK$25,205
baseline
▲ 0.50% · 4.625%
HK$26,739
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,410/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,386
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,094
−HK$717/mo
Today · 4.125%
HK$27,811
baseline
▲ 0.50% · 4.625%
HK$29,277
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,622/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,494
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,443
−HK$964/mo
Today · 4.125%
HK$32,407
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,814/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$923/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,642
+HK$1,884/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,888 · 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).