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$16,911
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$534/mo
Today · 4.125%
HK$17,971
baseline
▲ 0.50% · 4.625%
HK$19,065
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,942/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,813
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,318
−HK$512/mo
Today · 4.125%
HK$19,830
baseline
▲ 0.50% · 4.625%
HK$20,875
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,660/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,293
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,924
−HK$642/mo
Today · 4.125%
HK$21,566
baseline
▲ 0.50% · 4.625%
HK$22,878
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,132/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,576
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,181
−HK$615/mo
Today · 4.125%
HK$23,796
baseline
▲ 0.50% · 4.625%
HK$25,050
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,592/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,675
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,412
−HK$748/mo
Today · 4.125%
HK$25,160
baseline
▲ 0.50% · 4.625%
HK$26,691
+HK$1,531/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,320/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,339
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,045
−HK$717/mo
Today · 4.125%
HK$27,762
baseline
▲ 0.50% · 4.625%
HK$29,225
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,524/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,440
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,387
−HK$962/mo
Today · 4.125%
HK$32,349
baseline
▲ 0.50% · 4.625%
HK$34,317
+HK$1,968/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$64,698/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$921/mo
Today · 4.125%
HK$35,693
baseline
▲ 0.50% · 4.625%
HK$37,575
+HK$1,882/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$71,386/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,488 · 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).