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$17,051
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,582
−HK$538/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,240/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,969
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,478
−HK$516/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,048
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,461
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$647/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$619/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,872
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,614
−HK$755/mo
Today · 4.125%
HK$25,369
baseline
▲ 0.50% · 4.625%
HK$26,912
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,738/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,557
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$723/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,467
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,692
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,647
−HK$970/mo
Today · 4.125%
HK$32,617
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,984/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,234/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,145
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,060
−HK$929/mo
Today · 4.125%
HK$35,989
baseline
▲ 0.50% · 4.625%
HK$37,887
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,978/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,333 · 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).