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$16,931
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,458
−HK$535/mo
Today · 4.125%
HK$17,993
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,986/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,836
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,341
−HK$512/mo
Today · 4.125%
HK$19,853
baseline
▲ 0.50% · 4.625%
HK$20,900
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,706/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,317
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,949
−HK$642/mo
Today · 4.125%
HK$21,591
baseline
▲ 0.50% · 4.625%
HK$22,905
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,182/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,603
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,209
−HK$615/mo
Today · 4.125%
HK$23,824
baseline
▲ 0.50% · 4.625%
HK$25,080
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,648/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,704
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,441
−HK$749/mo
Today · 4.125%
HK$25,190
baseline
▲ 0.50% · 4.625%
HK$26,723
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,380/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,370
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,077
−HK$718/mo
Today · 4.125%
HK$27,795
baseline
▲ 0.50% · 4.625%
HK$29,260
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,590/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,476
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,424
−HK$963/mo
Today · 4.125%
HK$32,387
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,971/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,774/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,904
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,814
−HK$922/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,620
+HK$1,884/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,754 · 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).