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$16,937
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$536/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$19,095
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,843
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,348
−HK$513/mo
Today · 4.125%
HK$19,861
baseline
▲ 0.50% · 4.625%
HK$20,908
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,722/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,325
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$643/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,218
−HK$615/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,089
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,712
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,450
−HK$749/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,733
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,398/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,380
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$718/mo
Today · 4.125%
HK$27,805
baseline
▲ 0.50% · 4.625%
HK$29,271
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,610/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$963/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,371
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,827
−HK$922/mo
Today · 4.125%
HK$35,749
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,498/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,837 · 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).