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$17,040
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$539/mo
Today · 4.125%
HK$18,109
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,218/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,465
−HK$516/mo
Today · 4.125%
HK$19,981
baseline
▲ 0.50% · 4.625%
HK$21,034
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,962/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,448
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,084
−HK$646/mo
Today · 4.125%
HK$21,730
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,460/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,748
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,358
−HK$619/mo
Today · 4.125%
HK$23,977
baseline
▲ 0.50% · 4.625%
HK$25,241
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,954/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,856
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,598
−HK$754/mo
Today · 4.125%
HK$25,352
baseline
▲ 0.50% · 4.625%
HK$26,895
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,704/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,540
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,251
−HK$723/mo
Today · 4.125%
HK$27,974
baseline
▲ 0.50% · 4.625%
HK$29,448
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,948/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,672
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,626
−HK$970/mo
Today · 4.125%
HK$32,596
baseline
▲ 0.50% · 4.625%
HK$34,579
+HK$1,983/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$65,192/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,038
−HK$928/mo
Today · 4.125%
HK$35,966
baseline
▲ 0.50% · 4.625%
HK$37,862
+HK$1,896/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$71,932/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,187 · 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).