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$16,904
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,430
−HK$534/mo
Today · 4.125%
HK$17,964
baseline
▲ 0.50% · 4.625%
HK$19,057
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,928/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,310
−HK$511/mo
Today · 4.125%
HK$19,821
baseline
▲ 0.50% · 4.625%
HK$20,866
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,642/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,285
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,915
−HK$642/mo
Today · 4.125%
HK$21,557
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,311/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,114/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,566
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,172
−HK$614/mo
Today · 4.125%
HK$23,786
baseline
▲ 0.50% · 4.625%
HK$25,039
+HK$1,253/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,572/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,665
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,401
−HK$748/mo
Today · 4.125%
HK$25,149
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,531/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,298/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,327
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,033
−HK$717/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,212
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,500/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,427
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,373
−HK$962/mo
Today · 4.125%
HK$32,335
baseline
▲ 0.50% · 4.625%
HK$34,302
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,670/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$921/mo
Today · 4.125%
HK$35,678
baseline
▲ 0.50% · 4.625%
HK$37,559
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,356/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,393 · 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).