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$16,967
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,495
−HK$536/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$19,128
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,876
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$513/mo
Today · 4.125%
HK$19,895
baseline
▲ 0.50% · 4.625%
HK$20,944
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,790/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,360
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$643/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,954
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$616/mo
Today · 4.125%
HK$23,874
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,748/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,754
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$750/mo
Today · 4.125%
HK$25,243
baseline
▲ 0.50% · 4.625%
HK$26,779
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,486/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,134
−HK$719/mo
Today · 4.125%
HK$27,853
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,706/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,540
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,490
−HK$966/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,430
+HK$1,974/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,976
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,887
−HK$925/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,699
+HK$1,887/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,225 · 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).