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$1,061/mo
▼ 0.25% · 3.875%
HK$17,456
−HK$535/mo
Today · 4.125%
HK$17,991
baseline
▲ 0.50% · 4.625%
HK$19,086
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,982/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,834
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,339
−HK$513/mo
Today · 4.125%
HK$19,852
baseline
▲ 0.50% · 4.625%
HK$20,898
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,704/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,736 · 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$22,903
+HK$1,313/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$222,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,601
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,207
−HK$615/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,078
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,702
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,439
−HK$749/mo
Today · 4.125%
HK$25,188
baseline
▲ 0.50% · 4.625%
HK$26,721
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,376/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,368
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,075
−HK$717/mo
Today · 4.125%
HK$27,792
baseline
▲ 0.50% · 4.625%
HK$29,257
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,584/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,736 · 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$34,355
+HK$1,970/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$222,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,811
−HK$922/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$1,884/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,736 · 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).