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$17,002
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,531
−HK$537/mo
Today · 4.125%
HK$18,068
baseline
▲ 0.50% · 4.625%
HK$19,168
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,136/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,915
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,422
−HK$515/mo
Today · 4.125%
HK$19,937
baseline
▲ 0.50% · 4.625%
HK$20,988
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,874/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,403
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,037
−HK$645/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,698
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,307
−HK$617/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,803
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,544
−HK$752/mo
Today · 4.125%
HK$25,296
baseline
▲ 0.50% · 4.625%
HK$26,835
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,592/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,481
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,191
−HK$720/mo
Today · 4.125%
HK$27,911
baseline
▲ 0.50% · 4.625%
HK$29,383
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,822/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,604
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,556
−HK$967/mo
Today · 4.125%
HK$32,523
baseline
▲ 0.50% · 4.625%
HK$34,502
+HK$1,979/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,046/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$926/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$37,778
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,689 · 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).