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$17,012
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,541
−HK$538/mo
Today · 4.125%
HK$18,079
baseline
▲ 0.50% · 4.625%
HK$19,179
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,158/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,926
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,433
−HK$515/mo
Today · 4.125%
HK$19,948
baseline
▲ 0.50% · 4.625%
HK$21,000
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,896/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,414
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,049
−HK$646/mo
Today · 4.125%
HK$21,695
baseline
▲ 0.50% · 4.625%
HK$23,015
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,390/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$618/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,200
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,817
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,558
−HK$752/mo
Today · 4.125%
HK$25,310
baseline
▲ 0.50% · 4.625%
HK$26,850
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,620/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,496
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,207
−HK$720/mo
Today · 4.125%
HK$27,927
baseline
▲ 0.50% · 4.625%
HK$29,400
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,854/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,622
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,574
−HK$968/mo
Today · 4.125%
HK$32,542
baseline
▲ 0.50% · 4.625%
HK$34,522
+HK$1,980/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,084/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,066
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,980
−HK$927/mo
Today · 4.125%
HK$35,907
baseline
▲ 0.50% · 4.625%
HK$37,799
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,814/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,817 · 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).