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$17,052
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,583
−HK$539/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,224
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,479
−HK$517/mo
Today · 4.125%
HK$19,996
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,992/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,463
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$647/mo
Today · 4.125%
HK$21,746
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,492/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$620/mo
Today · 4.125%
HK$23,995
baseline
▲ 0.50% · 4.625%
HK$25,259
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,990/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,873
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,616
−HK$754/mo
Today · 4.125%
HK$25,370
baseline
▲ 0.50% · 4.625%
HK$26,914
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,740/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,559
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$723/mo
Today · 4.125%
HK$27,994
baseline
▲ 0.50% · 4.625%
HK$29,469
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,988/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,694
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,649
−HK$970/mo
Today · 4.125%
HK$32,619
baseline
▲ 0.50% · 4.625%
HK$34,604
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,238/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,147
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$929/mo
Today · 4.125%
HK$35,992
baseline
▲ 0.50% · 4.625%
HK$37,889
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,984/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,349 · 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).