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$16,958
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,486
−HK$536/mo
Today · 4.125%
HK$18,022
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,044/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,866
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$513/mo
Today · 4.125%
HK$19,885
baseline
▲ 0.50% · 4.625%
HK$20,933
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,770/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,350
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$643/mo
Today · 4.125%
HK$21,626
baseline
▲ 0.50% · 4.625%
HK$22,942
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,252/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,639
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,246
−HK$616/mo
Today · 4.125%
HK$23,862
baseline
▲ 0.50% · 4.625%
HK$25,120
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,724/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,742
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,480
−HK$750/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,412
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,121
−HK$718/mo
Today · 4.125%
HK$27,839
baseline
▲ 0.50% · 4.625%
HK$29,307
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,678/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,525
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,474
−HK$965/mo
Today · 4.125%
HK$32,439
baseline
▲ 0.50% · 4.625%
HK$34,413
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,878/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,959
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$924/mo
Today · 4.125%
HK$35,793
baseline
▲ 0.50% · 4.625%
HK$37,680
+HK$1,887/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,586/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,110 · 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).