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$16,934
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$535/mo
Today · 4.125%
HK$17,996
baseline
▲ 0.50% · 4.625%
HK$19,091
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,992/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,839
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,344
−HK$513/mo
Today · 4.125%
HK$19,857
baseline
▲ 0.50% · 4.625%
HK$20,903
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,714/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,321
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,953
−HK$642/mo
Today · 4.125%
HK$21,595
baseline
▲ 0.50% · 4.625%
HK$22,909
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,190/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,213
−HK$615/mo
Today · 4.125%
HK$23,828
baseline
▲ 0.50% · 4.625%
HK$25,084
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,656/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,708
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$24,445
−HK$749/mo
Today · 4.125%
HK$25,194
baseline
▲ 0.50% · 4.625%
HK$26,727
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,388/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,374
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,082
−HK$717/mo
Today · 4.125%
HK$27,799
baseline
▲ 0.50% · 4.625%
HK$29,265
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,598/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,481
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,429
−HK$964/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,971/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$923/mo
Today · 4.125%
HK$35,742
baseline
▲ 0.50% · 4.625%
HK$37,626
+HK$1,884/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,484/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$222,791 · 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).