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$16,897
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$534/mo
Today · 4.125%
HK$17,957
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$1,092/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,914/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,798
−HK$1,015/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$511/mo
Today · 4.125%
HK$19,813
baseline
▲ 0.50% · 4.625%
HK$20,858
+HK$1,045/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,626/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,277
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$20,907
−HK$641/mo
Today · 4.125%
HK$21,548
baseline
▲ 0.50% · 4.625%
HK$22,859
+HK$1,311/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$43,096/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,557
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,162
−HK$614/mo
Today · 4.125%
HK$23,776
baseline
▲ 0.50% · 4.625%
HK$25,029
+HK$1,253/mo
Deposit HK$2.96M · loan HK$4.45M · min. income ≈ HK$47,552/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,656
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$24,392
−HK$747/mo
Today · 4.125%
HK$25,139
baseline
▲ 0.50% · 4.625%
HK$26,669
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,278/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,317
−HK$1,422/mo
▼ 0.25% · 3.875%
HK$27,023
−HK$716/mo
Today · 4.125%
HK$27,739
baseline
▲ 0.50% · 4.625%
HK$29,201
+HK$1,462/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,478/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,415
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,361
−HK$961/mo
Today · 4.125%
HK$32,322
baseline
▲ 0.50% · 4.625%
HK$34,289
+HK$1,967/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,644/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$920/mo
Today · 4.125%
HK$35,664
baseline
▲ 0.50% · 4.625%
HK$37,544
+HK$1,880/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,328/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$222,306 · 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).