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$16,901
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,426
−HK$534/mo
Today · 4.125%
HK$17,960
baseline
▲ 0.50% · 4.625%
HK$19,053
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,920/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,802
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,306
−HK$512/mo
Today · 4.125%
HK$19,818
baseline
▲ 0.50% · 4.625%
HK$20,862
+HK$1,044/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,636/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,281
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,912
−HK$641/mo
Today · 4.125%
HK$21,553
baseline
▲ 0.50% · 4.625%
HK$22,864
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,106/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,562
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,167
−HK$614/mo
Today · 4.125%
HK$23,781
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,254/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,562/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,661
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,397
−HK$748/mo
Today · 4.125%
HK$25,145
baseline
▲ 0.50% · 4.625%
HK$26,675
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,290/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,323
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,028
−HK$717/mo
Today · 4.125%
HK$27,745
baseline
▲ 0.50% · 4.625%
HK$29,207
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,490/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,421
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,367
−HK$962/mo
Today · 4.125%
HK$32,329
baseline
▲ 0.50% · 4.625%
HK$34,296
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,658/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$921/mo
Today · 4.125%
HK$35,672
baseline
▲ 0.50% · 4.625%
HK$37,552
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,344/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,352 · 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).