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$16,936
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,463
−HK$535/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$19,093
+HK$1,095/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,996/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,841
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,346
−HK$513/mo
Today · 4.125%
HK$19,859
baseline
▲ 0.50% · 4.625%
HK$20,906
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,718/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,323
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,955
−HK$643/mo
Today · 4.125%
HK$21,598
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,196/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,609
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$615/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,710
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,448
−HK$749/mo
Today · 4.125%
HK$25,197
baseline
▲ 0.50% · 4.625%
HK$26,730
+HK$1,533/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,394/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,378
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,085
−HK$718/mo
Today · 4.125%
HK$27,803
baseline
▲ 0.50% · 4.625%
HK$29,268
+HK$1,465/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,606/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,485
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,433
−HK$963/mo
Today · 4.125%
HK$32,396
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,972/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$64,792/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,914
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$922/mo
Today · 4.125%
HK$35,746
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$1,885/mo
Deposit HK$743K · loan HK$6.68M · min. income ≈ HK$71,492/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,818 · 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).