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$17,001
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,530
−HK$538/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,167
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,136/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,914
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$515/mo
Today · 4.125%
HK$19,936
baseline
▲ 0.50% · 4.625%
HK$20,987
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,872/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,402
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$645/mo
Today · 4.125%
HK$21,681
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,362/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,697
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$618/mo
Today · 4.125%
HK$23,923
baseline
▲ 0.50% · 4.625%
HK$25,184
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,846/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,802
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,542
−HK$753/mo
Today · 4.125%
HK$25,295
baseline
▲ 0.50% · 4.625%
HK$26,834
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,590/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,190
−HK$720/mo
Today · 4.125%
HK$27,910
baseline
▲ 0.50% · 4.625%
HK$29,381
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,820/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,603
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,555
−HK$967/mo
Today · 4.125%
HK$32,522
baseline
▲ 0.50% · 4.625%
HK$34,501
+HK$1,979/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,044/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,045
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,958
−HK$926/mo
Today · 4.125%
HK$35,884
baseline
▲ 0.50% · 4.625%
HK$37,776
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,768/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,679 · 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).