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$16,913
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$534/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$19,067
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,946/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,815
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,320
−HK$512/mo
Today · 4.125%
HK$19,832
baseline
▲ 0.50% · 4.625%
HK$20,877
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,664/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,295
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,926
−HK$642/mo
Today · 4.125%
HK$21,568
baseline
▲ 0.50% · 4.625%
HK$22,880
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,136/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,578
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$614/mo
Today · 4.125%
HK$23,798
baseline
▲ 0.50% · 4.625%
HK$25,052
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,596/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,678
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,414
−HK$748/mo
Today · 4.125%
HK$25,162
baseline
▲ 0.50% · 4.625%
HK$26,693
+HK$1,531/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,324/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,341
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,048
−HK$716/mo
Today · 4.125%
HK$27,764
baseline
▲ 0.50% · 4.625%
HK$29,228
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,528/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,443
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$962/mo
Today · 4.125%
HK$32,352
baseline
▲ 0.50% · 4.625%
HK$34,320
+HK$1,968/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,704/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,867
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,775
−HK$922/mo
Today · 4.125%
HK$35,697
baseline
▲ 0.50% · 4.625%
HK$37,579
+HK$1,882/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,394/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,510 · 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).