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$17,018
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$538/mo
Today · 4.125%
HK$18,085
baseline
▲ 0.50% · 4.625%
HK$19,186
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,170/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,932
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$515/mo
Today · 4.125%
HK$19,955
baseline
▲ 0.50% · 4.625%
HK$21,007
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,910/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,421
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$645/mo
Today · 4.125%
HK$21,702
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,404/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,719
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,328
−HK$618/mo
Today · 4.125%
HK$23,946
baseline
▲ 0.50% · 4.625%
HK$25,208
+HK$1,262/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,892/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,825
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,566
−HK$753/mo
Today · 4.125%
HK$25,319
baseline
▲ 0.50% · 4.625%
HK$26,860
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,638/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,505
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,216
−HK$721/mo
Today · 4.125%
HK$27,937
baseline
▲ 0.50% · 4.625%
HK$29,410
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,874/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,632
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,585
−HK$968/mo
Today · 4.125%
HK$32,553
baseline
▲ 0.50% · 4.625%
HK$34,534
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,106/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,078
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,992
−HK$927/mo
Today · 4.125%
HK$35,919
baseline
▲ 0.50% · 4.625%
HK$37,813
+HK$1,894/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,838/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,895 · 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).