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$16,960
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,488
−HK$536/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$19,121
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,868
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,374
−HK$514/mo
Today · 4.125%
HK$19,888
baseline
▲ 0.50% · 4.625%
HK$20,936
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,776/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,352
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,985
−HK$644/mo
Today · 4.125%
HK$21,629
baseline
▲ 0.50% · 4.625%
HK$22,945
+HK$1,316/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,258/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,642
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,249
−HK$616/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,258/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,744
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,483
−HK$750/mo
Today · 4.125%
HK$25,233
baseline
▲ 0.50% · 4.625%
HK$26,769
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,466/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,415
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,124
−HK$719/mo
Today · 4.125%
HK$27,843
baseline
▲ 0.50% · 4.625%
HK$29,310
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,686/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,529
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,478
−HK$965/mo
Today · 4.125%
HK$32,443
baseline
▲ 0.50% · 4.625%
HK$34,417
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,886/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,963
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,874
−HK$924/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,685
+HK$1,887/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,138 · 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).