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$16,932
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$535/mo
Today · 4.125%
HK$17,994
baseline
▲ 0.50% · 4.625%
HK$19,089
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,988/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,837
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,342
−HK$513/mo
Today · 4.125%
HK$19,855
baseline
▲ 0.50% · 4.625%
HK$20,901
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,710/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,319
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,951
−HK$642/mo
Today · 4.125%
HK$21,593
baseline
▲ 0.50% · 4.625%
HK$22,907
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,186/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,604
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,211
−HK$615/mo
Today · 4.125%
HK$23,826
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,652/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,705
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,442
−HK$750/mo
Today · 4.125%
HK$25,192
baseline
▲ 0.50% · 4.625%
HK$26,724
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,384/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,372
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,079
−HK$717/mo
Today · 4.125%
HK$27,796
baseline
▲ 0.50% · 4.625%
HK$29,262
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,592/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,478
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$963/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,360
+HK$1,971/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,906
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,816
−HK$922/mo
Today · 4.125%
HK$35,738
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$1,884/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,476/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,768 · 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).