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$17,051
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$539/mo
Today · 4.125%
HK$18,121
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,242/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,478
−HK$516/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,048
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,462
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$647/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$619/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,872
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,615
−HK$754/mo
Today · 4.125%
HK$25,369
baseline
▲ 0.50% · 4.625%
HK$26,913
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,738/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,557
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,270
−HK$722/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,468
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,693
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$970/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,602
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,145
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,061
−HK$929/mo
Today · 4.125%
HK$35,990
baseline
▲ 0.50% · 4.625%
HK$37,887
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,980/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,336 · 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).