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$17,036
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$539/mo
Today · 4.125%
HK$18,105
baseline
▲ 0.50% · 4.625%
HK$19,206
+HK$1,101/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,210/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,953
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,461
−HK$516/mo
Today · 4.125%
HK$19,977
baseline
▲ 0.50% · 4.625%
HK$21,030
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,954/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,444
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$646/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$23,047
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,743
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,353
−HK$619/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,851
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,593
−HK$753/mo
Today · 4.125%
HK$25,346
baseline
▲ 0.50% · 4.625%
HK$26,889
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,692/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,534
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$722/mo
Today · 4.125%
HK$27,967
baseline
▲ 0.50% · 4.625%
HK$29,441
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,934/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,665
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$969/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,571
+HK$1,983/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$928/mo
Today · 4.125%
HK$35,958
baseline
▲ 0.50% · 4.625%
HK$37,853
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,916/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,136 · 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).