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$16,970
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,498
−HK$536/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$19,132
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,879
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$514/mo
Today · 4.125%
HK$19,899
baseline
▲ 0.50% · 4.625%
HK$20,948
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,798/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,364
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,998
−HK$643/mo
Today · 4.125%
HK$21,641
baseline
▲ 0.50% · 4.625%
HK$22,958
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,282/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,655
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,263
−HK$616/mo
Today · 4.125%
HK$23,879
baseline
▲ 0.50% · 4.625%
HK$25,138
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,758/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,758
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,497
−HK$751/mo
Today · 4.125%
HK$25,248
baseline
▲ 0.50% · 4.625%
HK$26,784
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,496/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,431
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,140
−HK$719/mo
Today · 4.125%
HK$27,859
baseline
▲ 0.50% · 4.625%
HK$29,327
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,718/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,546
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,497
−HK$965/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$924/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,707
+HK$1,889/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,267 · 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).