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$17,022
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,552
−HK$538/mo
Today · 4.125%
HK$18,090
baseline
▲ 0.50% · 4.625%
HK$19,190
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,180/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,937
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,445
−HK$515/mo
Today · 4.125%
HK$19,960
baseline
▲ 0.50% · 4.625%
HK$21,012
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,920/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,427
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$645/mo
Today · 4.125%
HK$21,707
baseline
▲ 0.50% · 4.625%
HK$23,028
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,414/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,724
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,334
−HK$618/mo
Today · 4.125%
HK$23,952
baseline
▲ 0.50% · 4.625%
HK$25,215
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,904/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,831
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,572
−HK$753/mo
Today · 4.125%
HK$25,325
baseline
▲ 0.50% · 4.625%
HK$26,866
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,650/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,512
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,223
−HK$721/mo
Today · 4.125%
HK$27,944
baseline
▲ 0.50% · 4.625%
HK$29,417
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,888/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,640
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$968/mo
Today · 4.125%
HK$32,561
baseline
▲ 0.50% · 4.625%
HK$34,542
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,122/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,086
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$927/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$1,894/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,951 · 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).