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$222,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,806
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,310
−HK$512/mo
Today · 4.125%
HK$19,822
baseline
▲ 0.50% · 4.625%
HK$20,867
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,644/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,285
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,916
−HK$641/mo
Today · 4.125%
HK$21,557
baseline
▲ 0.50% · 4.625%
HK$22,869
+HK$1,312/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$222,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,567
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,172
−HK$614/mo
Today · 4.125%
HK$23,786
baseline
▲ 0.50% · 4.625%
HK$25,040
+HK$1,254/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$222,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,666
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,402
−HK$748/mo
Today · 4.125%
HK$25,150
baseline
▲ 0.50% · 4.625%
HK$26,680
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,300/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,328
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,034
−HK$716/mo
Today · 4.125%
HK$27,750
baseline
▲ 0.50% · 4.625%
HK$29,213
+HK$1,463/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$222,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,428
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,374
−HK$962/mo
Today · 4.125%
HK$32,336
baseline
▲ 0.50% · 4.625%
HK$34,303
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,672/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,758
−HK$921/mo
Today · 4.125%
HK$35,679
baseline
▲ 0.50% · 4.625%
HK$37,560
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,358/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,399 · 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).