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$16,927
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$535/mo
Today · 4.125%
HK$17,989
baseline
▲ 0.50% · 4.625%
HK$19,084
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,978/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,832
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,337
−HK$512/mo
Today · 4.125%
HK$19,849
baseline
▲ 0.50% · 4.625%
HK$20,895
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,698/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,313
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$642/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$615/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,698
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,436
−HK$749/mo
Today · 4.125%
HK$25,185
baseline
▲ 0.50% · 4.625%
HK$26,717
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,370/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,364
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,071
−HK$718/mo
Today · 4.125%
HK$27,789
baseline
▲ 0.50% · 4.625%
HK$29,254
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,578/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,469
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,417
−HK$963/mo
Today · 4.125%
HK$32,380
baseline
▲ 0.50% · 4.625%
HK$34,350
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,760/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,897
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,806
−HK$922/mo
Today · 4.125%
HK$35,728
baseline
▲ 0.50% · 4.625%
HK$37,612
+HK$1,884/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,456/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,706 · 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).