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$16,909
−HK$1,061/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$535/mo
Today · 4.125%
HK$17,970
baseline
▲ 0.50% · 4.625%
HK$19,063
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,940/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,811
−HK$1,017/mo
▼ 0.25% · 3.875%
HK$19,316
−HK$512/mo
Today · 4.125%
HK$19,828
baseline
▲ 0.50% · 4.625%
HK$20,873
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,656/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,291
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$642/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,876
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,179
−HK$614/mo
Today · 4.125%
HK$23,793
baseline
▲ 0.50% · 4.625%
HK$25,047
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,586/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,673
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$24,409
−HK$749/mo
Today · 4.125%
HK$25,158
baseline
▲ 0.50% · 4.625%
HK$26,688
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,316/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,336
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,042
−HK$717/mo
Today · 4.125%
HK$27,759
baseline
▲ 0.50% · 4.625%
HK$29,222
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,518/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,437
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,384
−HK$961/mo
Today · 4.125%
HK$32,345
baseline
▲ 0.50% · 4.625%
HK$34,314
+HK$1,969/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$64,690/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,861
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,769
−HK$921/mo
Today · 4.125%
HK$35,690
baseline
▲ 0.50% · 4.625%
HK$37,571
+HK$1,881/mo
Deposit HK$742K · loan HK$6.67M · min. income ≈ HK$71,380/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,466 · 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).