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$16,907
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,433
−HK$534/mo
Today · 4.125%
HK$17,967
baseline
▲ 0.50% · 4.625%
HK$19,060
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,934/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,809
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,313
−HK$512/mo
Today · 4.125%
HK$19,825
baseline
▲ 0.50% · 4.625%
HK$20,870
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,650/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,288
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$641/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$614/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,044
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,670
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,406
−HK$748/mo
Today · 4.125%
HK$25,154
baseline
▲ 0.50% · 4.625%
HK$26,684
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,308/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,332
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,038
−HK$717/mo
Today · 4.125%
HK$27,755
baseline
▲ 0.50% · 4.625%
HK$29,218
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,510/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,379
−HK$962/mo
Today · 4.125%
HK$32,341
baseline
▲ 0.50% · 4.625%
HK$34,308
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,682/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$921/mo
Today · 4.125%
HK$35,685
baseline
▲ 0.50% · 4.625%
HK$37,566
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,370/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,433 · 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).