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$16,940
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$536/mo
Today · 4.125%
HK$18,003
baseline
▲ 0.50% · 4.625%
HK$19,098
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$36,006/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,846
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,351
−HK$513/mo
Today · 4.125%
HK$19,864
baseline
▲ 0.50% · 4.625%
HK$20,911
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,728/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,328
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$642/mo
Today · 4.125%
HK$21,603
baseline
▲ 0.50% · 4.625%
HK$22,918
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,206/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,615
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$615/mo
Today · 4.125%
HK$23,837
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,674/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,717
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,454
−HK$750/mo
Today · 4.125%
HK$25,204
baseline
▲ 0.50% · 4.625%
HK$26,737
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,408/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,384
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,092
−HK$718/mo
Today · 4.125%
HK$27,810
baseline
▲ 0.50% · 4.625%
HK$29,276
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,620/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,493
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,441
−HK$964/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,923
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$923/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,640
+HK$1,884/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,875 · 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).