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$16,926
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$535/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$19,082
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,976/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,830
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,335
−HK$513/mo
Today · 4.125%
HK$19,848
baseline
▲ 0.50% · 4.625%
HK$20,894
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,696/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,311
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$642/mo
Today · 4.125%
HK$21,585
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,170/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,596
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,202
−HK$615/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,073
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,697
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,434
−HK$749/mo
Today · 4.125%
HK$25,183
baseline
▲ 0.50% · 4.625%
HK$26,715
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,366/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,069
−HK$718/mo
Today · 4.125%
HK$27,787
baseline
▲ 0.50% · 4.625%
HK$29,251
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,574/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,467
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,415
−HK$963/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,348
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,894
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,803
−HK$923/mo
Today · 4.125%
HK$35,726
baseline
▲ 0.50% · 4.625%
HK$37,609
+HK$1,883/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,452/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,689 · 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).