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$16,981
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,509
−HK$537/mo
Today · 4.125%
HK$18,046
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,092/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,891
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,398
−HK$514/mo
Today · 4.125%
HK$19,912
baseline
▲ 0.50% · 4.625%
HK$20,961
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,824/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,377
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$644/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,973
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,669
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,277
−HK$617/mo
Today · 4.125%
HK$23,894
baseline
▲ 0.50% · 4.625%
HK$25,154
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,788/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,773
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,513
−HK$751/mo
Today · 4.125%
HK$25,264
baseline
▲ 0.50% · 4.625%
HK$26,801
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,528/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,448
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,157
−HK$719/mo
Today · 4.125%
HK$27,876
baseline
▲ 0.50% · 4.625%
HK$29,346
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,752/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,566
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$966/mo
Today · 4.125%
HK$32,482
baseline
▲ 0.50% · 4.625%
HK$34,459
+HK$1,977/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,964/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,004
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,916
−HK$925/mo
Today · 4.125%
HK$35,841
baseline
▲ 0.50% · 4.625%
HK$37,730
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,682/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,408 · 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).