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$16,897
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$534/mo
Today · 4.125%
HK$17,957
baseline
▲ 0.50% · 4.625%
HK$19,050
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,914/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$512/mo
Today · 4.125%
HK$19,814
baseline
▲ 0.50% · 4.625%
HK$20,858
+HK$1,044/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,628/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,277
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,908
−HK$640/mo
Today · 4.125%
HK$21,548
baseline
▲ 0.50% · 4.625%
HK$22,860
+HK$1,312/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,096/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,558
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$614/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,030
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,554/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$748/mo
Today · 4.125%
HK$25,140
baseline
▲ 0.50% · 4.625%
HK$26,670
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,280/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$716/mo
Today · 4.125%
HK$27,739
baseline
▲ 0.50% · 4.625%
HK$29,201
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,478/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,415
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,361
−HK$962/mo
Today · 4.125%
HK$32,323
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,966/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,646/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,837
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$921/mo
Today · 4.125%
HK$35,665
baseline
▲ 0.50% · 4.625%
HK$37,545
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,330/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,310 · 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).