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$16,936
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,463
−HK$535/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$19,094
+HK$1,096/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,347
−HK$512/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$20,906
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,324
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$642/mo
Today · 4.125%
HK$21,598
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,196/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$615/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,711
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$750/mo
Today · 4.125%
HK$25,198
baseline
▲ 0.50% · 4.625%
HK$26,731
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,396/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,086
−HK$717/mo
Today · 4.125%
HK$27,803
baseline
▲ 0.50% · 4.625%
HK$29,269
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,606/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$963/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,971/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,915
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$923/mo
Today · 4.125%
HK$35,747
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$1,884/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,494/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,822 · 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).