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$16,925
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$535/mo
Today · 4.125%
HK$17,987
baseline
▲ 0.50% · 4.625%
HK$19,081
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,974/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,334
−HK$513/mo
Today · 4.125%
HK$19,847
baseline
▲ 0.50% · 4.625%
HK$20,893
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,694/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,310
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,942
−HK$642/mo
Today · 4.125%
HK$21,584
baseline
▲ 0.50% · 4.625%
HK$22,897
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,168/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,595
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,201
−HK$615/mo
Today · 4.125%
HK$23,816
baseline
▲ 0.50% · 4.625%
HK$25,071
+HK$1,255/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,632/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,696
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,433
−HK$749/mo
Today · 4.125%
HK$25,182
baseline
▲ 0.50% · 4.625%
HK$26,714
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,364/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,361
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,068
−HK$717/mo
Today · 4.125%
HK$27,785
baseline
▲ 0.50% · 4.625%
HK$29,250
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,570/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,413
−HK$963/mo
Today · 4.125%
HK$32,376
baseline
▲ 0.50% · 4.625%
HK$34,346
+HK$1,970/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,752/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,893
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$922/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,607
+HK$1,883/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,678 · 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).