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$17,013
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$537/mo
Today · 4.125%
HK$18,079
baseline
▲ 0.50% · 4.625%
HK$19,179
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,158/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,926
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,434
−HK$515/mo
Today · 4.125%
HK$19,949
baseline
▲ 0.50% · 4.625%
HK$21,000
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,898/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,415
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,050
−HK$645/mo
Today · 4.125%
HK$21,695
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,390/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,712
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,321
−HK$618/mo
Today · 4.125%
HK$23,939
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,878/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,818
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$753/mo
Today · 4.125%
HK$25,311
baseline
▲ 0.50% · 4.625%
HK$26,851
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,622/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,497
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,207
−HK$721/mo
Today · 4.125%
HK$27,928
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,856/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,623
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,575
−HK$968/mo
Today · 4.125%
HK$32,543
baseline
▲ 0.50% · 4.625%
HK$34,523
+HK$1,980/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,086/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,067
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$927/mo
Today · 4.125%
HK$35,908
baseline
▲ 0.50% · 4.625%
HK$37,801
+HK$1,893/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,816/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,825 · 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).