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$17,030
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$538/mo
Today · 4.125%
HK$18,098
baseline
▲ 0.50% · 4.625%
HK$19,199
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,196/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,946
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,454
−HK$515/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,022
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,938/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,436
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$646/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$23,039
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,735
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$619/mo
Today · 4.125%
HK$23,963
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,926/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,842
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$754/mo
Today · 4.125%
HK$25,337
baseline
▲ 0.50% · 4.625%
HK$26,879
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,674/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,235
−HK$722/mo
Today · 4.125%
HK$27,957
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,914/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,654
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,607
−HK$969/mo
Today · 4.125%
HK$32,576
baseline
▲ 0.50% · 4.625%
HK$34,558
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,152/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,102
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,017
−HK$927/mo
Today · 4.125%
HK$35,944
baseline
▲ 0.50% · 4.625%
HK$37,839
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,888/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,052 · 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).