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$16,929
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,455
−HK$535/mo
Today · 4.125%
HK$17,990
baseline
▲ 0.50% · 4.625%
HK$19,085
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,980/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,833
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,338
−HK$513/mo
Today · 4.125%
HK$19,851
baseline
▲ 0.50% · 4.625%
HK$20,897
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,702/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,315
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,946
−HK$642/mo
Today · 4.125%
HK$21,588
baseline
▲ 0.50% · 4.625%
HK$22,902
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,176/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,600
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,206
−HK$615/mo
Today · 4.125%
HK$23,821
baseline
▲ 0.50% · 4.625%
HK$25,076
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,642/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,700
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,438
−HK$749/mo
Today · 4.125%
HK$25,187
baseline
▲ 0.50% · 4.625%
HK$26,719
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,374/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,366
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,074
−HK$717/mo
Today · 4.125%
HK$27,791
baseline
▲ 0.50% · 4.625%
HK$29,256
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,582/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,472
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$963/mo
Today · 4.125%
HK$32,383
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,766/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,900
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$922/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,615
+HK$1,884/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,723 · 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).