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$17,028
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$538/mo
Today · 4.125%
HK$18,096
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,192/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$516/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,019
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,433
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,069
−HK$646/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$23,036
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,732
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$618/mo
Today · 4.125%
HK$23,960
baseline
▲ 0.50% · 4.625%
HK$25,223
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,920/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,839
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,581
−HK$753/mo
Today · 4.125%
HK$25,334
baseline
▲ 0.50% · 4.625%
HK$26,875
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,668/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,521
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,232
−HK$722/mo
Today · 4.125%
HK$27,954
baseline
▲ 0.50% · 4.625%
HK$29,427
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,908/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,650
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$968/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,098
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$927/mo
Today · 4.125%
HK$35,940
baseline
▲ 0.50% · 4.625%
HK$37,835
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,880/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,026 · 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).