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$16,905
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,431
−HK$534/mo
Today · 4.125%
HK$17,965
baseline
▲ 0.50% · 4.625%
HK$19,058
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,930/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,807
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,311
−HK$512/mo
Today · 4.125%
HK$19,823
baseline
▲ 0.50% · 4.625%
HK$20,868
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,646/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,286
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$641/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,173
−HK$614/mo
Today · 4.125%
HK$23,787
baseline
▲ 0.50% · 4.625%
HK$25,041
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,574/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,667
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,403
−HK$748/mo
Today · 4.125%
HK$25,151
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,531/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,302/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,329
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$716/mo
Today · 4.125%
HK$27,752
baseline
▲ 0.50% · 4.625%
HK$29,215
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,504/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,429
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,376
−HK$961/mo
Today · 4.125%
HK$32,337
baseline
▲ 0.50% · 4.625%
HK$34,305
+HK$1,968/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,674/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,852
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,760
−HK$921/mo
Today · 4.125%
HK$35,681
baseline
▲ 0.50% · 4.625%
HK$37,562
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,362/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,411 · 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).