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$16,906
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$534/mo
Today · 4.125%
HK$17,966
baseline
▲ 0.50% · 4.625%
HK$19,059
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,932/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,808
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,312
−HK$512/mo
Today · 4.125%
HK$19,824
baseline
▲ 0.50% · 4.625%
HK$20,869
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,648/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$642/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,311/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$614/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,043
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,578/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,669
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,405
−HK$748/mo
Today · 4.125%
HK$25,153
baseline
▲ 0.50% · 4.625%
HK$26,683
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,306/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,331
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,037
−HK$717/mo
Today · 4.125%
HK$27,754
baseline
▲ 0.50% · 4.625%
HK$29,217
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,508/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,431
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,378
−HK$961/mo
Today · 4.125%
HK$32,339
baseline
▲ 0.50% · 4.625%
HK$34,307
+HK$1,968/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,678/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,854
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,762
−HK$921/mo
Today · 4.125%
HK$35,683
baseline
▲ 0.50% · 4.625%
HK$37,564
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,366/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,424 · 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).