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$17,035
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,565
−HK$538/mo
Today · 4.125%
HK$18,103
baseline
▲ 0.50% · 4.625%
HK$19,205
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,206/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,951
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,460
−HK$515/mo
Today · 4.125%
HK$19,975
baseline
▲ 0.50% · 4.625%
HK$21,028
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,950/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,442
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,078
−HK$646/mo
Today · 4.125%
HK$21,724
baseline
▲ 0.50% · 4.625%
HK$23,046
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,448/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,742
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,351
−HK$619/mo
Today · 4.125%
HK$23,970
baseline
▲ 0.50% · 4.625%
HK$25,234
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,940/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,849
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,591
−HK$754/mo
Today · 4.125%
HK$25,345
baseline
▲ 0.50% · 4.625%
HK$26,887
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,690/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,532
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,243
−HK$722/mo
Today · 4.125%
HK$27,965
baseline
▲ 0.50% · 4.625%
HK$29,439
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,930/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,663
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$969/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,569
+HK$1,983/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$928/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$1,896/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,120 · 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).