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$16,923
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$535/mo
Today · 4.125%
HK$17,985
baseline
▲ 0.50% · 4.625%
HK$19,079
+HK$1,094/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$222,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,827
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,332
−HK$512/mo
Today · 4.125%
HK$19,844
baseline
▲ 0.50% · 4.625%
HK$20,890
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,688/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,308
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$642/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,895
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,593
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,198
−HK$615/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,068
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,693
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,430
−HK$749/mo
Today · 4.125%
HK$25,179
baseline
▲ 0.50% · 4.625%
HK$26,711
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,358/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,358
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,065
−HK$717/mo
Today · 4.125%
HK$27,782
baseline
▲ 0.50% · 4.625%
HK$29,246
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,564/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,462
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$962/mo
Today · 4.125%
HK$32,372
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,744/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,889
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,798
−HK$922/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,603
+HK$1,883/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,652 · 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).