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$16,957
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,484
−HK$536/mo
Today · 4.125%
HK$18,020
baseline
▲ 0.50% · 4.625%
HK$19,117
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,040/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,864
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,370
−HK$514/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$20,932
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,348
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,981
−HK$643/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,940
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,637
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,244
−HK$616/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,118
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,740
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,478
−HK$750/mo
Today · 4.125%
HK$25,228
baseline
▲ 0.50% · 4.625%
HK$26,763
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,456/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,410
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,118
−HK$719/mo
Today · 4.125%
HK$27,837
baseline
▲ 0.50% · 4.625%
HK$29,304
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,674/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,522
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,472
−HK$964/mo
Today · 4.125%
HK$32,436
baseline
▲ 0.50% · 4.625%
HK$34,410
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,872/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,956
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,867
−HK$923/mo
Today · 4.125%
HK$35,790
baseline
▲ 0.50% · 4.625%
HK$37,677
+HK$1,887/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,580/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,092 · 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).