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$17,050
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$539/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$1,102/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$224,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,968
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$516/mo
Today · 4.125%
HK$19,993
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,986/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,460
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,097
−HK$646/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$23,066
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,762
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,372
−HK$620/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,870
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,613
−HK$754/mo
Today · 4.125%
HK$25,367
baseline
▲ 0.50% · 4.625%
HK$26,911
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,734/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,268
−HK$722/mo
Today · 4.125%
HK$27,990
baseline
▲ 0.50% · 4.625%
HK$29,466
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,980/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,691
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$970/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,600
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,143
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,059
−HK$929/mo
Today · 4.125%
HK$35,988
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,976/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,322 · 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).