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$16,990
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,519
−HK$537/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,154
+HK$1,098/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,902
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,409
−HK$514/mo
Today · 4.125%
HK$19,923
baseline
▲ 0.50% · 4.625%
HK$20,973
+HK$1,050/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,846/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,388
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$644/mo
Today · 4.125%
HK$21,667
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,334/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,682
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$617/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,787
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,526
−HK$752/mo
Today · 4.125%
HK$25,278
baseline
▲ 0.50% · 4.625%
HK$26,816
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,556/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,462
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,172
−HK$720/mo
Today · 4.125%
HK$27,892
baseline
▲ 0.50% · 4.625%
HK$29,362
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,784/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,583
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,534
−HK$966/mo
Today · 4.125%
HK$32,500
baseline
▲ 0.50% · 4.625%
HK$34,478
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,000/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,023
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,935
−HK$926/mo
Today · 4.125%
HK$35,861
baseline
▲ 0.50% · 4.625%
HK$37,751
+HK$1,890/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,722/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,533 · 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).