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$16,953
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$535/mo
Today · 4.125%
HK$18,016
baseline
▲ 0.50% · 4.625%
HK$19,113
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,032/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,860
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,366
−HK$513/mo
Today · 4.125%
HK$19,879
baseline
▲ 0.50% · 4.625%
HK$20,927
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,758/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,344
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$643/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,935
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,632
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,239
−HK$616/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,113
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,735
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,473
−HK$750/mo
Today · 4.125%
HK$25,223
baseline
▲ 0.50% · 4.625%
HK$26,758
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,446/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,405
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,113
−HK$718/mo
Today · 4.125%
HK$27,831
baseline
▲ 0.50% · 4.625%
HK$29,298
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,662/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,516
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,465
−HK$965/mo
Today · 4.125%
HK$32,430
baseline
▲ 0.50% · 4.625%
HK$34,403
+HK$1,973/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,860/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,949
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,859
−HK$924/mo
Today · 4.125%
HK$35,783
baseline
▲ 0.50% · 4.625%
HK$37,669
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,566/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,045 · 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).