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$17,001
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,530
−HK$537/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,166
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,134/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,913
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$514/mo
Today · 4.125%
HK$19,935
baseline
▲ 0.50% · 4.625%
HK$20,986
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,870/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,401
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$644/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,696
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$617/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,801
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,542
−HK$752/mo
Today · 4.125%
HK$25,294
baseline
▲ 0.50% · 4.625%
HK$26,833
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,588/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,479
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,189
−HK$720/mo
Today · 4.125%
HK$27,909
baseline
▲ 0.50% · 4.625%
HK$29,380
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,818/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,602
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,554
−HK$967/mo
Today · 4.125%
HK$32,521
baseline
▲ 0.50% · 4.625%
HK$34,499
+HK$1,978/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,042/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,044
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,957
−HK$926/mo
Today · 4.125%
HK$35,883
baseline
▲ 0.50% · 4.625%
HK$37,775
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,766/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,671 · 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).