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$17,016
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,546
−HK$537/mo
Today · 4.125%
HK$18,083
baseline
▲ 0.50% · 4.625%
HK$19,184
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,166/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,930
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$515/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,005
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,420
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,055
−HK$645/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$23,020
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,717
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$618/mo
Today · 4.125%
HK$23,944
baseline
▲ 0.50% · 4.625%
HK$25,206
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,888/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,823
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$753/mo
Today · 4.125%
HK$25,317
baseline
▲ 0.50% · 4.625%
HK$26,857
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,634/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,503
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$721/mo
Today · 4.125%
HK$27,934
baseline
▲ 0.50% · 4.625%
HK$29,407
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,868/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,629
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,582
−HK$968/mo
Today · 4.125%
HK$32,550
baseline
▲ 0.50% · 4.625%
HK$34,531
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,100/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,075
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,989
−HK$927/mo
Today · 4.125%
HK$35,916
baseline
▲ 0.50% · 4.625%
HK$37,809
+HK$1,893/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,832/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,874 · 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).