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$16,938
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,465
−HK$535/mo
Today · 4.125%
HK$18,000
baseline
▲ 0.50% · 4.625%
HK$19,096
+HK$1,096/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$36,000/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,844
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,349
−HK$513/mo
Today · 4.125%
HK$19,862
baseline
▲ 0.50% · 4.625%
HK$20,909
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,724/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,326
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,958
−HK$642/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,915
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,612
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,219
−HK$615/mo
Today · 4.125%
HK$23,834
baseline
▲ 0.50% · 4.625%
HK$25,090
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,668/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,713
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$24,451
−HK$749/mo
Today · 4.125%
HK$25,200
baseline
▲ 0.50% · 4.625%
HK$26,734
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,400/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,381
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,088
−HK$718/mo
Today · 4.125%
HK$27,806
baseline
▲ 0.50% · 4.625%
HK$29,272
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,612/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,489
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$964/mo
Today · 4.125%
HK$32,401
baseline
▲ 0.50% · 4.625%
HK$34,372
+HK$1,971/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,802/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$923/mo
Today · 4.125%
HK$35,751
baseline
▲ 0.50% · 4.625%
HK$37,635
+HK$1,884/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,502/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,846 · 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).