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$17,050
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,580
−HK$539/mo
Today · 4.125%
HK$18,119
baseline
▲ 0.50% · 4.625%
HK$19,221
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,238/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,968
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,476
−HK$517/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,046
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,096
−HK$647/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$23,066
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,761
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,372
−HK$619/mo
Today · 4.125%
HK$23,991
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,982/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,612
−HK$755/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,910
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,555
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,267
−HK$723/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,465
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,690
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,644
−HK$970/mo
Today · 4.125%
HK$32,614
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,228/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,142
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,058
−HK$929/mo
Today · 4.125%
HK$35,987
baseline
▲ 0.50% · 4.625%
HK$37,883
+HK$1,896/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,974/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,315 · 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).