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$16,914
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,440
−HK$535/mo
Today · 4.125%
HK$17,975
baseline
▲ 0.50% · 4.625%
HK$19,069
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,950/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,817
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$512/mo
Today · 4.125%
HK$19,833
baseline
▲ 0.50% · 4.625%
HK$20,879
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,666/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,297
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$642/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,882
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,580
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,186
−HK$614/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,055
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,680
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,416
−HK$749/mo
Today · 4.125%
HK$25,165
baseline
▲ 0.50% · 4.625%
HK$26,696
+HK$1,531/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,330/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,344
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,050
−HK$717/mo
Today · 4.125%
HK$27,767
baseline
▲ 0.50% · 4.625%
HK$29,230
+HK$1,463/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,534/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,445
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,392
−HK$963/mo
Today · 4.125%
HK$32,355
baseline
▲ 0.50% · 4.625%
HK$34,323
+HK$1,968/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,710/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,870
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,779
−HK$921/mo
Today · 4.125%
HK$35,700
baseline
▲ 0.50% · 4.625%
HK$37,582
+HK$1,882/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,400/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,530 · 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).