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$17,044
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,575
−HK$538/mo
Today · 4.125%
HK$18,113
baseline
▲ 0.50% · 4.625%
HK$19,215
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,226/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,962
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,470
−HK$516/mo
Today · 4.125%
HK$19,986
baseline
▲ 0.50% · 4.625%
HK$21,040
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,972/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,453
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$646/mo
Today · 4.125%
HK$21,736
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,472/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,754
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,364
−HK$619/mo
Today · 4.125%
HK$23,983
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,966/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,862
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,604
−HK$755/mo
Today · 4.125%
HK$25,359
baseline
▲ 0.50% · 4.625%
HK$26,902
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,718/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,546
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,258
−HK$723/mo
Today · 4.125%
HK$27,981
baseline
▲ 0.50% · 4.625%
HK$29,456
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,962/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,680
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$970/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,984/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,131
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,046
−HK$929/mo
Today · 4.125%
HK$35,975
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$1,896/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$71,950/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,244 · 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).