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$17,019
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,549
−HK$538/mo
Today · 4.125%
HK$18,087
baseline
▲ 0.50% · 4.625%
HK$19,187
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,174/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,934
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,442
−HK$515/mo
Today · 4.125%
HK$19,957
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,914/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,423
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,059
−HK$645/mo
Today · 4.125%
HK$21,704
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,408/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$618/mo
Today · 4.125%
HK$23,948
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,896/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,827
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$753/mo
Today · 4.125%
HK$25,321
baseline
▲ 0.50% · 4.625%
HK$26,862
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,642/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,507
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,218
−HK$722/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,412
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,635
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,588
−HK$968/mo
Today · 4.125%
HK$32,556
baseline
▲ 0.50% · 4.625%
HK$34,537
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,112/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,081
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,995
−HK$927/mo
Today · 4.125%
HK$35,922
baseline
▲ 0.50% · 4.625%
HK$37,816
+HK$1,894/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,844/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,915 · 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).