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$16,921
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,448
−HK$534/mo
Today · 4.125%
HK$17,982
baseline
▲ 0.50% · 4.625%
HK$19,077
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,964/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,825
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,330
−HK$512/mo
Today · 4.125%
HK$19,842
baseline
▲ 0.50% · 4.625%
HK$20,888
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,684/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,305
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,937
−HK$642/mo
Today · 4.125%
HK$21,579
baseline
▲ 0.50% · 4.625%
HK$22,892
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,158/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$615/mo
Today · 4.125%
HK$23,810
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,620/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,690
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,427
−HK$748/mo
Today · 4.125%
HK$25,175
baseline
▲ 0.50% · 4.625%
HK$26,707
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,350/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,355
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,061
−HK$717/mo
Today · 4.125%
HK$27,778
baseline
▲ 0.50% · 4.625%
HK$29,243
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,556/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,458
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$962/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,338
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,884
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,793
−HK$922/mo
Today · 4.125%
HK$35,715
baseline
▲ 0.50% · 4.625%
HK$37,598
+HK$1,883/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,430/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,623 · 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).