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$17,024
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$538/mo
Today · 4.125%
HK$18,091
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,182/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,939
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$515/mo
Today · 4.125%
HK$19,962
baseline
▲ 0.50% · 4.625%
HK$21,014
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,924/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,429
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$646/mo
Today · 4.125%
HK$21,710
baseline
▲ 0.50% · 4.625%
HK$23,031
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,420/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,727
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$619/mo
Today · 4.125%
HK$23,955
baseline
▲ 0.50% · 4.625%
HK$25,217
+HK$1,262/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,910/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,833
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,575
−HK$753/mo
Today · 4.125%
HK$25,328
baseline
▲ 0.50% · 4.625%
HK$26,869
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,656/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,515
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,226
−HK$721/mo
Today · 4.125%
HK$27,947
baseline
▲ 0.50% · 4.625%
HK$29,420
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,894/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,643
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$969/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,546
+HK$1,981/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,090
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,004
−HK$928/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$1,894/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,974 · 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).