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$16,900
−HK$1,059/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$534/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$19,052
+HK$1,093/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$222,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,801
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,305
−HK$511/mo
Today · 4.125%
HK$19,816
baseline
▲ 0.50% · 4.625%
HK$20,861
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,632/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,280
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,910
−HK$641/mo
Today · 4.125%
HK$21,551
baseline
▲ 0.50% · 4.625%
HK$22,863
+HK$1,312/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,102/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,561
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$614/mo
Today · 4.125%
HK$23,780
baseline
▲ 0.50% · 4.625%
HK$25,033
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,560/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,660
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,396
−HK$747/mo
Today · 4.125%
HK$25,143
baseline
▲ 0.50% · 4.625%
HK$26,673
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,286/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,321
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,027
−HK$716/mo
Today · 4.125%
HK$27,743
baseline
▲ 0.50% · 4.625%
HK$29,205
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,486/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,419
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,366
−HK$961/mo
Today · 4.125%
HK$32,327
baseline
▲ 0.50% · 4.625%
HK$34,294
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,654/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,841
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$921/mo
Today · 4.125%
HK$35,670
baseline
▲ 0.50% · 4.625%
HK$37,550
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,340/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,340 · 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).