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$16,933
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$535/mo
Today · 4.125%
HK$17,994
baseline
▲ 0.50% · 4.625%
HK$19,089
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,988/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,837
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,343
−HK$512/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$20,902
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,319
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,951
−HK$642/mo
Today · 4.125%
HK$21,593
baseline
▲ 0.50% · 4.625%
HK$22,907
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,186/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,605
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,211
−HK$615/mo
Today · 4.125%
HK$23,826
baseline
▲ 0.50% · 4.625%
HK$25,082
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,652/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,706
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,443
−HK$749/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,725
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,080
−HK$717/mo
Today · 4.125%
HK$27,797
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,594/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,479
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,427
−HK$963/mo
Today · 4.125%
HK$32,390
baseline
▲ 0.50% · 4.625%
HK$34,361
+HK$1,971/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,780/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,907
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,817
−HK$922/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,623
+HK$1,884/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,772 · 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).