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$16,910
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,436
−HK$534/mo
Today · 4.125%
HK$17,970
baseline
▲ 0.50% · 4.625%
HK$19,064
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,940/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,812
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$512/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,292
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$641/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,876
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$614/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,048
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,674
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,410
−HK$748/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,689
+HK$1,531/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,337
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,043
−HK$717/mo
Today · 4.125%
HK$27,760
baseline
▲ 0.50% · 4.625%
HK$29,223
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,520/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,384
−HK$962/mo
Today · 4.125%
HK$32,346
baseline
▲ 0.50% · 4.625%
HK$34,314
+HK$1,968/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$64,692/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,861
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,770
−HK$921/mo
Today · 4.125%
HK$35,691
baseline
▲ 0.50% · 4.625%
HK$37,572
+HK$1,881/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$71,382/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,472 · 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).