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$16,942
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$535/mo
Today · 4.125%
HK$18,004
baseline
▲ 0.50% · 4.625%
HK$19,100
+HK$1,096/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$36,008/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,353
−HK$513/mo
Today · 4.125%
HK$19,866
baseline
▲ 0.50% · 4.625%
HK$20,913
+HK$1,047/mo
Deposit HK$3.71M · loan HK$3.71M · min. income ≈ HK$39,732/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,330
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$642/mo
Today · 4.125%
HK$21,605
baseline
▲ 0.50% · 4.625%
HK$22,920
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,210/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$615/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,096
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,718
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,456
−HK$750/mo
Today · 4.125%
HK$25,206
baseline
▲ 0.50% · 4.625%
HK$26,740
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,412/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,094
−HK$718/mo
Today · 4.125%
HK$27,812
baseline
▲ 0.50% · 4.625%
HK$29,278
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,624/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,495
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$963/mo
Today · 4.125%
HK$32,407
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,814/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$923/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,893 · 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).