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$16,906
−HK$1,060/mo
▼ 0.25% · 3.875%
HK$17,431
−HK$535/mo
Today · 4.125%
HK$17,966
baseline
▲ 0.50% · 4.625%
HK$19,059
+HK$1,093/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$35,932/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$222,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,807
−HK$1,016/mo
▼ 0.25% · 3.875%
HK$19,312
−HK$511/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$222,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,287
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$641/mo
Today · 4.125%
HK$21,559
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,312/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$43,118/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$614/mo
Today · 4.125%
HK$23,788
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,254/mo
Deposit HK$2.97M · loan HK$4.45M · min. income ≈ HK$47,576/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,668
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$24,404
−HK$748/mo
Today · 4.125%
HK$25,152
baseline
▲ 0.50% · 4.625%
HK$26,682
+HK$1,530/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$50,304/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,330
−HK$1,423/mo
▼ 0.25% · 3.875%
HK$27,036
−HK$717/mo
Today · 4.125%
HK$27,753
baseline
▲ 0.50% · 4.625%
HK$29,216
+HK$1,463/mo
Deposit HK$2.22M · loan HK$5.19M · min. income ≈ HK$55,506/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,430
−HK$1,908/mo
▼ 0.25% · 3.875%
HK$31,377
−HK$961/mo
Today · 4.125%
HK$32,338
baseline
▲ 0.50% · 4.625%
HK$34,306
+HK$1,968/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$64,676/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,853
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,761
−HK$921/mo
Today · 4.125%
HK$35,682
baseline
▲ 0.50% · 4.625%
HK$37,563
+HK$1,881/mo
Deposit HK$741K · loan HK$6.67M · min. income ≈ HK$71,364/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$222,418 · 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).