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$16,944
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$536/mo
Today · 4.125%
HK$18,007
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,014/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,356
−HK$513/mo
Today · 4.125%
HK$19,869
baseline
▲ 0.50% · 4.625%
HK$20,916
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,738/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,333
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$642/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,923
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,227
−HK$616/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,722
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,460
−HK$750/mo
Today · 4.125%
HK$25,210
baseline
▲ 0.50% · 4.625%
HK$26,744
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,420/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,391
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,098
−HK$718/mo
Today · 4.125%
HK$27,816
baseline
▲ 0.50% · 4.625%
HK$29,283
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,632/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,500
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$964/mo
Today · 4.125%
HK$32,413
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,826/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$923/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,928 · 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).