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$16,920
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,447
−HK$535/mo
Today · 4.125%
HK$17,982
baseline
▲ 0.50% · 4.625%
HK$19,076
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,964/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,824
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,329
−HK$512/mo
Today · 4.125%
HK$19,841
baseline
▲ 0.50% · 4.625%
HK$20,887
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,682/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,305
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$642/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,589
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,194
−HK$615/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,689
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,426
−HK$748/mo
Today · 4.125%
HK$25,174
baseline
▲ 0.50% · 4.625%
HK$26,706
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,348/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,353
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,060
−HK$717/mo
Today · 4.125%
HK$27,777
baseline
▲ 0.50% · 4.625%
HK$29,241
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,554/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,457
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,404
−HK$963/mo
Today · 4.125%
HK$32,367
baseline
▲ 0.50% · 4.625%
HK$34,336
+HK$1,969/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,734/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,883
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,792
−HK$922/mo
Today · 4.125%
HK$35,714
baseline
▲ 0.50% · 4.625%
HK$37,596
+HK$1,882/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,428/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,613 · 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).