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$17,037
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,567
−HK$538/mo
Today · 4.125%
HK$18,105
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,210/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$516/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,444
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,080
−HK$646/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$23,048
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,744
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$618/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,851
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$754/mo
Today · 4.125%
HK$25,347
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,694/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,534
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,246
−HK$722/mo
Today · 4.125%
HK$27,968
baseline
▲ 0.50% · 4.625%
HK$29,442
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,936/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,666
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,620
−HK$969/mo
Today · 4.125%
HK$32,589
baseline
▲ 0.50% · 4.625%
HK$34,572
+HK$1,983/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,178/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$929/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$37,854
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,141 · 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).