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$16,999
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$537/mo
Today · 4.125%
HK$18,064
baseline
▲ 0.50% · 4.625%
HK$19,164
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,128/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,911
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,418
−HK$514/mo
Today · 4.125%
HK$19,932
baseline
▲ 0.50% · 4.625%
HK$20,983
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,864/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,398
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,033
−HK$644/mo
Today · 4.125%
HK$21,677
baseline
▲ 0.50% · 4.625%
HK$22,996
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,354/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,693
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,301
−HK$618/mo
Today · 4.125%
HK$23,919
baseline
▲ 0.50% · 4.625%
HK$25,180
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,838/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,798
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,538
−HK$752/mo
Today · 4.125%
HK$25,290
baseline
▲ 0.50% · 4.625%
HK$26,829
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,580/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,475
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,185
−HK$720/mo
Today · 4.125%
HK$27,905
baseline
▲ 0.50% · 4.625%
HK$29,376
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,810/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,597
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,549
−HK$967/mo
Today · 4.125%
HK$32,516
baseline
▲ 0.50% · 4.625%
HK$34,495
+HK$1,979/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,032/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,039
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,952
−HK$926/mo
Today · 4.125%
HK$35,878
baseline
▲ 0.50% · 4.625%
HK$37,769
+HK$1,891/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,756/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,640 · 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).