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$16,913
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,440
−HK$534/mo
Today · 4.125%
HK$17,974
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,948/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,816
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,321
−HK$512/mo
Today · 4.125%
HK$19,833
baseline
▲ 0.50% · 4.625%
HK$20,878
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,666/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,296
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,927
−HK$642/mo
Today · 4.125%
HK$21,569
baseline
▲ 0.50% · 4.625%
HK$22,881
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,138/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,579
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,185
−HK$614/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,054
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,679
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,415
−HK$749/mo
Today · 4.125%
HK$25,164
baseline
▲ 0.50% · 4.625%
HK$26,695
+HK$1,531/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,328/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,342
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,049
−HK$717/mo
Today · 4.125%
HK$27,766
baseline
▲ 0.50% · 4.625%
HK$29,229
+HK$1,463/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,532/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,444
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$962/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,322
+HK$1,969/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,869
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,777
−HK$922/mo
Today · 4.125%
HK$35,699
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$1,881/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,398/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,520 · 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).