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$17,046
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,576
−HK$539/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,963
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,472
−HK$516/mo
Today · 4.125%
HK$19,988
baseline
▲ 0.50% · 4.625%
HK$21,042
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,976/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,455
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$647/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$23,061
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$620/mo
Today · 4.125%
HK$23,986
baseline
▲ 0.50% · 4.625%
HK$25,250
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,972/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,864
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,607
−HK$754/mo
Today · 4.125%
HK$25,361
baseline
▲ 0.50% · 4.625%
HK$26,904
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,722/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,261
−HK$722/mo
Today · 4.125%
HK$27,983
baseline
▲ 0.50% · 4.625%
HK$29,458
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,966/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,683
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$970/mo
Today · 4.125%
HK$32,607
baseline
▲ 0.50% · 4.625%
HK$34,591
+HK$1,984/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,214/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,134
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,050
−HK$928/mo
Today · 4.125%
HK$35,978
baseline
▲ 0.50% · 4.625%
HK$37,875
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,956/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,264 · 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).