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$16,916
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,443
−HK$534/mo
Today · 4.125%
HK$17,977
baseline
▲ 0.50% · 4.625%
HK$19,071
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,954/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,819
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,324
−HK$512/mo
Today · 4.125%
HK$19,836
baseline
▲ 0.50% · 4.625%
HK$20,882
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,672/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,300
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,931
−HK$642/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,146/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,583
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$614/mo
Today · 4.125%
HK$23,803
baseline
▲ 0.50% · 4.625%
HK$25,058
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,606/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,683
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,420
−HK$748/mo
Today · 4.125%
HK$25,168
baseline
▲ 0.50% · 4.625%
HK$26,700
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,336/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,347
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,054
−HK$717/mo
Today · 4.125%
HK$27,771
baseline
▲ 0.50% · 4.625%
HK$29,234
+HK$1,463/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,542/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,450
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$962/mo
Today · 4.125%
HK$32,359
baseline
▲ 0.50% · 4.625%
HK$34,328
+HK$1,969/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,718/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,875
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,783
−HK$922/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,587
+HK$1,882/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,560 · 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).