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$17,427
−HK$535/mo
Today · 4.125%
HK$17,962
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$1,092/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$222,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,803
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,307
−HK$512/mo
Today · 4.125%
HK$19,819
baseline
▲ 0.50% · 4.625%
HK$20,863
+HK$1,044/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,638/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,282
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$641/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,865
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,564
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,169
−HK$614/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,036
+HK$1,253/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$222,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,662
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,398
−HK$748/mo
Today · 4.125%
HK$25,146
baseline
▲ 0.50% · 4.625%
HK$26,676
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,292/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,324
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,030
−HK$716/mo
Today · 4.125%
HK$27,746
baseline
▲ 0.50% · 4.625%
HK$29,209
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,492/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,423
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,369
−HK$962/mo
Today · 4.125%
HK$32,331
baseline
▲ 0.50% · 4.625%
HK$34,298
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,662/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,845
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,753
−HK$921/mo
Today · 4.125%
HK$35,674
baseline
▲ 0.50% · 4.625%
HK$37,554
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,348/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,366 · 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).