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$1,062/mo
▼ 0.25% · 3.875%
HK$17,464
−HK$535/mo
Today · 4.125%
HK$17,999
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,998/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,348
−HK$512/mo
Today · 4.125%
HK$19,860
baseline
▲ 0.50% · 4.625%
HK$20,907
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,720/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$642/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,913
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$615/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,089
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,712
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,449
−HK$750/mo
Today · 4.125%
HK$25,199
baseline
▲ 0.50% · 4.625%
HK$26,732
+HK$1,533/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$222,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,379
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,087
−HK$717/mo
Today · 4.125%
HK$27,804
baseline
▲ 0.50% · 4.625%
HK$29,270
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,608/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,487
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,435
−HK$963/mo
Today · 4.125%
HK$32,398
baseline
▲ 0.50% · 4.625%
HK$34,370
+HK$1,972/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,796/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,916
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$922/mo
Today · 4.125%
HK$35,748
baseline
▲ 0.50% · 4.625%
HK$37,633
+HK$1,885/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,496/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,831 · 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).