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$17,043
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$539/mo
Today · 4.125%
HK$18,112
baseline
▲ 0.50% · 4.625%
HK$19,214
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,224/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,960
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,469
−HK$516/mo
Today · 4.125%
HK$19,985
baseline
▲ 0.50% · 4.625%
HK$21,038
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,970/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,452
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$646/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,752
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,363
−HK$619/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,246
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,860
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,603
−HK$754/mo
Today · 4.125%
HK$25,357
baseline
▲ 0.50% · 4.625%
HK$26,899
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,714/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,256
−HK$723/mo
Today · 4.125%
HK$27,979
baseline
▲ 0.50% · 4.625%
HK$29,453
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,958/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,678
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,632
−HK$969/mo
Today · 4.125%
HK$32,601
baseline
▲ 0.50% · 4.625%
HK$34,585
+HK$1,984/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$65,202/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,044
−HK$928/mo
Today · 4.125%
HK$35,972
baseline
▲ 0.50% · 4.625%
HK$37,869
+HK$1,897/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$71,944/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,227 · 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).