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$16,918
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,445
−HK$534/mo
Today · 4.125%
HK$17,979
baseline
▲ 0.50% · 4.625%
HK$19,073
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,958/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,821
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,326
−HK$512/mo
Today · 4.125%
HK$19,838
baseline
▲ 0.50% · 4.625%
HK$20,884
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,676/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,302
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,933
−HK$642/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,586
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,191
−HK$615/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,061
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,686
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,422
−HK$749/mo
Today · 4.125%
HK$25,171
baseline
▲ 0.50% · 4.625%
HK$26,702
+HK$1,531/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,342/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,057
−HK$717/mo
Today · 4.125%
HK$27,774
baseline
▲ 0.50% · 4.625%
HK$29,238
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,548/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,453
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,400
−HK$963/mo
Today · 4.125%
HK$32,363
baseline
▲ 0.50% · 4.625%
HK$34,332
+HK$1,969/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,726/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,787
−HK$922/mo
Today · 4.125%
HK$35,709
baseline
▲ 0.50% · 4.625%
HK$37,591
+HK$1,882/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,418/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,585 · 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).