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$16,979
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$536/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$19,141
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,086/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,889
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,395
−HK$514/mo
Today · 4.125%
HK$19,909
baseline
▲ 0.50% · 4.625%
HK$20,958
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,818/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$644/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$617/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,150
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,770
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$752/mo
Today · 4.125%
HK$25,261
baseline
▲ 0.50% · 4.625%
HK$26,798
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,522/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,153
−HK$720/mo
Today · 4.125%
HK$27,873
baseline
▲ 0.50% · 4.625%
HK$29,342
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,746/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$966/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,454
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,999
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,911
−HK$925/mo
Today · 4.125%
HK$35,836
baseline
▲ 0.50% · 4.625%
HK$37,725
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,672/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,378 · 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).