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$17,005
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,534
−HK$537/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,171
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,918
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,425
−HK$515/mo
Today · 4.125%
HK$19,940
baseline
▲ 0.50% · 4.625%
HK$20,991
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,880/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,406
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,041
−HK$645/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$23,005
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,702
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$618/mo
Today · 4.125%
HK$23,928
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,856/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,807
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,548
−HK$752/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,600/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,485
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,195
−HK$721/mo
Today · 4.125%
HK$27,916
baseline
▲ 0.50% · 4.625%
HK$29,388
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,832/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,609
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$968/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,508
+HK$1,979/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,052
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,966
−HK$926/mo
Today · 4.125%
HK$35,892
baseline
▲ 0.50% · 4.625%
HK$37,784
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,784/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,726 · 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).