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$16,911
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$534/mo
Today · 4.125%
HK$17,971
baseline
▲ 0.50% · 4.625%
HK$19,065
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,942/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,813
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,317
−HK$512/mo
Today · 4.125%
HK$19,829
baseline
▲ 0.50% · 4.625%
HK$20,875
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,658/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,924
−HK$641/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,181
−HK$614/mo
Today · 4.125%
HK$23,795
baseline
▲ 0.50% · 4.625%
HK$25,049
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,590/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,675
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,411
−HK$748/mo
Today · 4.125%
HK$25,159
baseline
▲ 0.50% · 4.625%
HK$26,690
+HK$1,531/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,318/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,338
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,044
−HK$717/mo
Today · 4.125%
HK$27,761
baseline
▲ 0.50% · 4.625%
HK$29,224
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,522/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,439
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,386
−HK$962/mo
Today · 4.125%
HK$32,348
baseline
▲ 0.50% · 4.625%
HK$34,316
+HK$1,968/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$64,696/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,863
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$922/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,574
+HK$1,881/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,484 · 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).