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$16,964
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,492
−HK$536/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$19,125
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,056/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,872
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,379
−HK$513/mo
Today · 4.125%
HK$19,892
baseline
▲ 0.50% · 4.625%
HK$20,941
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,784/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,357
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,990
−HK$644/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,950
+HK$1,316/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,647
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,254
−HK$616/mo
Today · 4.125%
HK$23,870
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,740/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,750
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,489
−HK$750/mo
Today · 4.125%
HK$25,239
baseline
▲ 0.50% · 4.625%
HK$26,775
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,478/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,421
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,130
−HK$719/mo
Today · 4.125%
HK$27,849
baseline
▲ 0.50% · 4.625%
HK$29,317
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,698/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,535
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$965/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$925/mo
Today · 4.125%
HK$35,806
baseline
▲ 0.50% · 4.625%
HK$37,693
+HK$1,887/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,612/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,188 · 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).