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$16,930
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,457
−HK$535/mo
Today · 4.125%
HK$17,992
baseline
▲ 0.50% · 4.625%
HK$19,087
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,984/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,835
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,340
−HK$512/mo
Today · 4.125%
HK$19,852
baseline
▲ 0.50% · 4.625%
HK$20,899
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,704/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,316
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$642/mo
Today · 4.125%
HK$21,590
baseline
▲ 0.50% · 4.625%
HK$22,904
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,180/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,208
−HK$615/mo
Today · 4.125%
HK$23,823
baseline
▲ 0.50% · 4.625%
HK$25,078
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,646/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,440
−HK$749/mo
Today · 4.125%
HK$25,189
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,378/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,369
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,076
−HK$717/mo
Today · 4.125%
HK$27,793
baseline
▲ 0.50% · 4.625%
HK$29,258
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,586/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,474
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,422
−HK$963/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,356
+HK$1,971/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,812
−HK$922/mo
Today · 4.125%
HK$35,734
baseline
▲ 0.50% · 4.625%
HK$37,618
+HK$1,884/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,468/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,741 · 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).