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$16,950
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$536/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$19,109
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,857
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,362
−HK$513/mo
Today · 4.125%
HK$19,875
baseline
▲ 0.50% · 4.625%
HK$20,923
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,750/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,340
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$642/mo
Today · 4.125%
HK$21,615
baseline
▲ 0.50% · 4.625%
HK$22,931
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,230/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$616/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,730
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,468
−HK$750/mo
Today · 4.125%
HK$25,218
baseline
▲ 0.50% · 4.625%
HK$26,753
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,436/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,399
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,107
−HK$719/mo
Today · 4.125%
HK$27,826
baseline
▲ 0.50% · 4.625%
HK$29,292
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,652/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,510
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,459
−HK$964/mo
Today · 4.125%
HK$32,423
baseline
▲ 0.50% · 4.625%
HK$34,396
+HK$1,973/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,846/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$223,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,942
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$924/mo
Today · 4.125%
HK$35,776
baseline
▲ 0.50% · 4.625%
HK$37,662
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,552/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$223,002 · 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).