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$17,058
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,589
−HK$539/mo
Today · 4.125%
HK$18,128
baseline
▲ 0.50% · 4.625%
HK$19,231
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,256/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,977
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,486
−HK$516/mo
Today · 4.125%
HK$20,002
baseline
▲ 0.50% · 4.625%
HK$21,057
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,004/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,470
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,107
−HK$647/mo
Today · 4.125%
HK$21,754
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,508/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,773
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,383
−HK$620/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,882
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,624
−HK$755/mo
Today · 4.125%
HK$25,379
baseline
▲ 0.50% · 4.625%
HK$26,923
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,758/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,568
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$722/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,480
+HK$1,477/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,705
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,660
−HK$970/mo
Today · 4.125%
HK$32,630
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,260/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$929/mo
Today · 4.125%
HK$36,004
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,008/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,427 · 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).