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$17,025
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$538/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,194
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,186/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,940
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,448
−HK$516/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,016
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,928/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,430
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$645/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,422/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,728
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,338
−HK$618/mo
Today · 4.125%
HK$23,956
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,912/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,835
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,577
−HK$753/mo
Today · 4.125%
HK$25,330
baseline
▲ 0.50% · 4.625%
HK$26,871
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,660/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,517
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,228
−HK$721/mo
Today · 4.125%
HK$27,949
baseline
▲ 0.50% · 4.625%
HK$29,422
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,898/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,645
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,599
−HK$968/mo
Today · 4.125%
HK$32,567
baseline
▲ 0.50% · 4.625%
HK$34,549
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,134/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,093
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,007
−HK$928/mo
Today · 4.125%
HK$35,935
baseline
▲ 0.50% · 4.625%
HK$37,829
+HK$1,894/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,870/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,991 · 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).