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$16,924
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,451
−HK$534/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$19,080
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,970/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,828
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,333
−HK$512/mo
Today · 4.125%
HK$19,845
baseline
▲ 0.50% · 4.625%
HK$20,891
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,690/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,309
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$642/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$614/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,694
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,431
−HK$749/mo
Today · 4.125%
HK$25,180
baseline
▲ 0.50% · 4.625%
HK$26,712
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,360/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,359
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,066
−HK$717/mo
Today · 4.125%
HK$27,783
baseline
▲ 0.50% · 4.625%
HK$29,248
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,566/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,464
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,411
−HK$963/mo
Today · 4.125%
HK$32,374
baseline
▲ 0.50% · 4.625%
HK$34,344
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,748/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,890
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,799
−HK$922/mo
Today · 4.125%
HK$35,721
baseline
▲ 0.50% · 4.625%
HK$37,604
+HK$1,883/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,442/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,662 · 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).