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$17,060
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,591
−HK$539/mo
Today · 4.125%
HK$18,130
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,260/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$516/mo
Today · 4.125%
HK$20,004
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,008/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,472
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$647/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$619/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,010/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,884
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,627
−HK$755/mo
Today · 4.125%
HK$25,382
baseline
▲ 0.50% · 4.625%
HK$26,926
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,764/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,571
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,283
−HK$723/mo
Today · 4.125%
HK$28,006
baseline
▲ 0.50% · 4.625%
HK$29,482
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,012/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,708
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,663
−HK$970/mo
Today · 4.125%
HK$32,633
baseline
▲ 0.50% · 4.625%
HK$34,619
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,266/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,162
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,078
−HK$930/mo
Today · 4.125%
HK$36,008
baseline
▲ 0.50% · 4.625%
HK$37,906
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,016/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,447 · 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).