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$16,919
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,446
−HK$534/mo
Today · 4.125%
HK$17,980
baseline
▲ 0.50% · 4.625%
HK$19,074
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,960/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,823
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,328
−HK$512/mo
Today · 4.125%
HK$19,840
baseline
▲ 0.50% · 4.625%
HK$20,885
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,680/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,303
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,935
−HK$642/mo
Today · 4.125%
HK$21,577
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,154/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,587
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$615/mo
Today · 4.125%
HK$23,808
baseline
▲ 0.50% · 4.625%
HK$25,062
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,616/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,687
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,424
−HK$749/mo
Today · 4.125%
HK$25,173
baseline
▲ 0.50% · 4.625%
HK$26,704
+HK$1,531/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,346/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,352
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,059
−HK$716/mo
Today · 4.125%
HK$27,775
baseline
▲ 0.50% · 4.625%
HK$29,240
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,550/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,455
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$963/mo
Today · 4.125%
HK$32,365
baseline
▲ 0.50% · 4.625%
HK$34,334
+HK$1,969/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,730/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,881
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,790
−HK$921/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,594
+HK$1,883/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,600 · 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).