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$17,061
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,592
−HK$539/mo
Today · 4.125%
HK$18,131
baseline
▲ 0.50% · 4.625%
HK$19,234
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,262/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,980
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,490
−HK$516/mo
Today · 4.125%
HK$20,006
baseline
▲ 0.50% · 4.625%
HK$21,060
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,012/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,473
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,110
−HK$647/mo
Today · 4.125%
HK$21,757
baseline
▲ 0.50% · 4.625%
HK$23,081
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,514/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,777
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,387
−HK$620/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,273
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,886
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,629
−HK$755/mo
Today · 4.125%
HK$25,384
baseline
▲ 0.50% · 4.625%
HK$26,928
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,768/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$723/mo
Today · 4.125%
HK$28,008
baseline
▲ 0.50% · 4.625%
HK$29,485
+HK$1,477/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,016/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,665
−HK$971/mo
Today · 4.125%
HK$32,636
baseline
▲ 0.50% · 4.625%
HK$34,622
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,272/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,165
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,081
−HK$930/mo
Today · 4.125%
HK$36,011
baseline
▲ 0.50% · 4.625%
HK$37,909
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,022/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,465 · 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).