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$17,007
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,536
−HK$538/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,173
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,920
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$514/mo
Today · 4.125%
HK$19,942
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,884/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,408
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,043
−HK$645/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$23,008
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,704
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$618/mo
Today · 4.125%
HK$23,931
baseline
▲ 0.50% · 4.625%
HK$25,192
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,862/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,810
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,550
−HK$753/mo
Today · 4.125%
HK$25,303
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,606/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,488
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$720/mo
Today · 4.125%
HK$27,919
baseline
▲ 0.50% · 4.625%
HK$29,391
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,838/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,613
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,565
−HK$967/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,980/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,056
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,970
−HK$926/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$37,788
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,752 · 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).