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$16,948
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,475
−HK$536/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,854
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,360
−HK$513/mo
Today · 4.125%
HK$19,873
baseline
▲ 0.50% · 4.625%
HK$20,920
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,746/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,337
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,970
−HK$643/mo
Today · 4.125%
HK$21,613
baseline
▲ 0.50% · 4.625%
HK$22,928
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,226/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,625
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,232
−HK$616/mo
Today · 4.125%
HK$23,848
baseline
▲ 0.50% · 4.625%
HK$25,105
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,696/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,727
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,465
−HK$750/mo
Today · 4.125%
HK$25,215
baseline
▲ 0.50% · 4.625%
HK$26,749
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,430/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,396
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,104
−HK$718/mo
Today · 4.125%
HK$27,822
baseline
▲ 0.50% · 4.625%
HK$29,289
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,644/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,506
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,455
−HK$964/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,392
+HK$1,973/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,938
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,848
−HK$923/mo
Today · 4.125%
HK$35,771
baseline
▲ 0.50% · 4.625%
HK$37,657
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,542/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,973 · 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).