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$16,917
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,444
−HK$534/mo
Today · 4.125%
HK$17,978
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$1,094/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,956/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,820
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,325
−HK$512/mo
Today · 4.125%
HK$19,837
baseline
▲ 0.50% · 4.625%
HK$20,883
+HK$1,046/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,674/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,301
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,932
−HK$642/mo
Today · 4.125%
HK$21,574
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,313/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,148/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,190
−HK$615/mo
Today · 4.125%
HK$23,805
baseline
▲ 0.50% · 4.625%
HK$25,059
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,610/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,684
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,421
−HK$748/mo
Today · 4.125%
HK$25,169
baseline
▲ 0.50% · 4.625%
HK$26,701
+HK$1,532/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$50,338/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,348
−HK$1,424/mo
▼ 0.25% · 3.875%
HK$27,055
−HK$717/mo
Today · 4.125%
HK$27,772
baseline
▲ 0.50% · 4.625%
HK$29,236
+HK$1,464/mo
Deposit HK$2.23M · loan HK$5.19M · min. income ≈ HK$55,544/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,451
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,398
−HK$963/mo
Today · 4.125%
HK$32,361
baseline
▲ 0.50% · 4.625%
HK$34,330
+HK$1,969/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$64,722/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,877
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$922/mo
Today · 4.125%
HK$35,707
baseline
▲ 0.50% · 4.625%
HK$37,589
+HK$1,882/mo
Deposit HK$742K · loan HK$6.68M · min. income ≈ HK$71,414/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,572 · 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).