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$16,903
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$534/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,805
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,309
−HK$511/mo
Today · 4.125%
HK$19,820
baseline
▲ 0.50% · 4.625%
HK$20,865
+HK$1,045/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$222,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,284
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,915
−HK$641/mo
Today · 4.125%
HK$21,556
baseline
▲ 0.50% · 4.625%
HK$22,867
+HK$1,311/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,112/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,171
−HK$614/mo
Today · 4.125%
HK$23,785
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,253/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,570/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,664
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,400
−HK$748/mo
Today · 4.125%
HK$25,148
baseline
▲ 0.50% · 4.625%
HK$26,679
+HK$1,531/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,296/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,032
−HK$717/mo
Today · 4.125%
HK$27,749
baseline
▲ 0.50% · 4.625%
HK$29,211
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,498/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,426
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,372
−HK$962/mo
Today · 4.125%
HK$32,334
baseline
▲ 0.50% · 4.625%
HK$34,301
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,668/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,756
−HK$921/mo
Today · 4.125%
HK$35,677
baseline
▲ 0.50% · 4.625%
HK$37,557
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,354/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,385 · 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).