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$16,902
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$534/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$19,055
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,924/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,804
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,308
−HK$512/mo
Today · 4.125%
HK$19,820
baseline
▲ 0.50% · 4.625%
HK$20,864
+HK$1,044/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,640/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,283
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$641/mo
Today · 4.125%
HK$21,555
baseline
▲ 0.50% · 4.625%
HK$22,866
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,110/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,564
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$613/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,254/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,663
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,399
−HK$748/mo
Today · 4.125%
HK$25,147
baseline
▲ 0.50% · 4.625%
HK$26,677
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,294/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,325
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,031
−HK$716/mo
Today · 4.125%
HK$27,747
baseline
▲ 0.50% · 4.625%
HK$29,210
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,494/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,424
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,370
−HK$962/mo
Today · 4.125%
HK$32,332
baseline
▲ 0.50% · 4.625%
HK$34,299
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,664/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,754
−HK$921/mo
Today · 4.125%
HK$35,675
baseline
▲ 0.50% · 4.625%
HK$37,556
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,350/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,374 · 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).