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$16,899
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,424
−HK$535/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$1,092/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,918/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,800
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,304
−HK$511/mo
Today · 4.125%
HK$19,815
baseline
▲ 0.50% · 4.625%
HK$20,860
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,630/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,279
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,909
−HK$641/mo
Today · 4.125%
HK$21,550
baseline
▲ 0.50% · 4.625%
HK$22,862
+HK$1,312/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,100/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,560
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$614/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,658
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,394
−HK$748/mo
Today · 4.125%
HK$25,142
baseline
▲ 0.50% · 4.625%
HK$26,672
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,284/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,320
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,026
−HK$716/mo
Today · 4.125%
HK$27,742
baseline
▲ 0.50% · 4.625%
HK$29,204
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,484/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,418
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,364
−HK$961/mo
Today · 4.125%
HK$32,325
baseline
▲ 0.50% · 4.625%
HK$34,292
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,650/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,840
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,747
−HK$921/mo
Today · 4.125%
HK$35,668
baseline
▲ 0.50% · 4.625%
HK$37,548
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,336/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,328 · 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).