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$16,993
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,521
−HK$537/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,157
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,116/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,904
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$515/mo
Today · 4.125%
HK$19,926
baseline
▲ 0.50% · 4.625%
HK$20,976
+HK$1,050/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,852/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,391
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,026
−HK$644/mo
Today · 4.125%
HK$21,670
baseline
▲ 0.50% · 4.625%
HK$22,989
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,340/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,685
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,294
−HK$617/mo
Today · 4.125%
HK$23,911
baseline
▲ 0.50% · 4.625%
HK$25,171
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,822/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,790
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,530
−HK$752/mo
Today · 4.125%
HK$25,282
baseline
▲ 0.50% · 4.625%
HK$26,820
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,564/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,176
−HK$720/mo
Today · 4.125%
HK$27,896
baseline
▲ 0.50% · 4.625%
HK$29,366
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,792/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,587
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$967/mo
Today · 4.125%
HK$32,505
baseline
▲ 0.50% · 4.625%
HK$34,483
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,010/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,028
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$926/mo
Today · 4.125%
HK$35,866
baseline
▲ 0.50% · 4.625%
HK$37,757
+HK$1,891/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,732/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,564 · 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).