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$16,915
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,442
−HK$534/mo
Today · 4.125%
HK$17,976
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,952/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,818
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,323
−HK$512/mo
Today · 4.125%
HK$19,835
baseline
▲ 0.50% · 4.625%
HK$20,880
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,670/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,298
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,930
−HK$641/mo
Today · 4.125%
HK$21,571
baseline
▲ 0.50% · 4.625%
HK$22,884
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,142/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,582
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,187
−HK$615/mo
Today · 4.125%
HK$23,802
baseline
▲ 0.50% · 4.625%
HK$25,056
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,604/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,682
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,418
−HK$749/mo
Today · 4.125%
HK$25,167
baseline
▲ 0.50% · 4.625%
HK$26,698
+HK$1,531/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,334/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,345
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,052
−HK$717/mo
Today · 4.125%
HK$27,769
baseline
▲ 0.50% · 4.625%
HK$29,233
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,538/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$962/mo
Today · 4.125%
HK$32,357
baseline
▲ 0.50% · 4.625%
HK$34,326
+HK$1,969/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,714/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,781
−HK$922/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,585
+HK$1,882/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,546 · 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).