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$17,021
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$538/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,189
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,176/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$516/mo
Today · 4.125%
HK$19,959
baseline
▲ 0.50% · 4.625%
HK$21,011
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,918/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,425
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$646/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$618/mo
Today · 4.125%
HK$23,950
baseline
▲ 0.50% · 4.625%
HK$25,213
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,900/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,829
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,570
−HK$754/mo
Today · 4.125%
HK$25,324
baseline
▲ 0.50% · 4.625%
HK$26,864
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,648/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,221
−HK$721/mo
Today · 4.125%
HK$27,942
baseline
▲ 0.50% · 4.625%
HK$29,415
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,884/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,638
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,591
−HK$968/mo
Today · 4.125%
HK$32,559
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,118/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,084
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,998
−HK$927/mo
Today · 4.125%
HK$35,925
baseline
▲ 0.50% · 4.625%
HK$37,819
+HK$1,894/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,850/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,934 · 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).