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$17,060
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$539/mo
Today · 4.125%
HK$18,129
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,258/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$516/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,058
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$647/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,774
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$620/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,270
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,010/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,883
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,626
−HK$755/mo
Today · 4.125%
HK$25,381
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,545/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,762/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$723/mo
Today · 4.125%
HK$28,006
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,012/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,707
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$971/mo
Today · 4.125%
HK$32,633
baseline
▲ 0.50% · 4.625%
HK$34,619
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,266/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,078
−HK$929/mo
Today · 4.125%
HK$36,007
baseline
▲ 0.50% · 4.625%
HK$37,905
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,014/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,444 · 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).