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$16,982
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,510
−HK$537/mo
Today · 4.125%
HK$18,047
baseline
▲ 0.50% · 4.625%
HK$19,145
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,094/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,892
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,399
−HK$514/mo
Today · 4.125%
HK$19,913
baseline
▲ 0.50% · 4.625%
HK$20,963
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,826/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,378
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$644/mo
Today · 4.125%
HK$21,656
baseline
▲ 0.50% · 4.625%
HK$22,974
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,312/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,671
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,279
−HK$617/mo
Today · 4.125%
HK$23,896
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,792/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,775
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,514
−HK$752/mo
Today · 4.125%
HK$25,266
baseline
▲ 0.50% · 4.625%
HK$26,803
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,532/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,449
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$719/mo
Today · 4.125%
HK$27,878
baseline
▲ 0.50% · 4.625%
HK$29,348
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,756/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,568
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,518
−HK$966/mo
Today · 4.125%
HK$32,484
baseline
▲ 0.50% · 4.625%
HK$34,461
+HK$1,977/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,968/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,006
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,918
−HK$925/mo
Today · 4.125%
HK$35,843
baseline
▲ 0.50% · 4.625%
HK$37,733
+HK$1,890/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,686/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,423 · 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).