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$16,909
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$534/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$19,062
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,938/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,811
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,315
−HK$512/mo
Today · 4.125%
HK$19,827
baseline
▲ 0.50% · 4.625%
HK$20,872
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,654/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,290
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,921
−HK$642/mo
Today · 4.125%
HK$21,563
baseline
▲ 0.50% · 4.625%
HK$22,875
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,126/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,573
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,178
−HK$614/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,046
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,672
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,408
−HK$748/mo
Today · 4.125%
HK$25,156
baseline
▲ 0.50% · 4.625%
HK$26,687
+HK$1,531/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,312/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,335
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,041
−HK$717/mo
Today · 4.125%
HK$27,758
baseline
▲ 0.50% · 4.625%
HK$29,221
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,516/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,435
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,382
−HK$962/mo
Today · 4.125%
HK$32,344
baseline
▲ 0.50% · 4.625%
HK$34,312
+HK$1,968/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$64,688/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,859
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,767
−HK$921/mo
Today · 4.125%
HK$35,688
baseline
▲ 0.50% · 4.625%
HK$37,570
+HK$1,882/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$71,376/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,457 · 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).