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$16,977
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$537/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$513/mo
Today · 4.125%
HK$19,907
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,814/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,373
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,006
−HK$644/mo
Today · 4.125%
HK$21,650
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,300/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,664
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,272
−HK$617/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,148
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,768
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,508
−HK$751/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,796
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$719/mo
Today · 4.125%
HK$27,870
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,740/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,559
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$965/mo
Today · 4.125%
HK$32,475
baseline
▲ 0.50% · 4.625%
HK$34,451
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,950/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,908
−HK$925/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$37,722
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,361 · 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).