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$17,008
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$538/mo
Today · 4.125%
HK$18,075
baseline
▲ 0.50% · 4.625%
HK$19,175
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,150/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,922
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$515/mo
Today · 4.125%
HK$19,944
baseline
▲ 0.50% · 4.625%
HK$20,995
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,888/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,410
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,045
−HK$645/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$23,010
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,706
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$618/mo
Today · 4.125%
HK$23,933
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,866/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,812
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,552
−HK$753/mo
Today · 4.125%
HK$25,305
baseline
▲ 0.50% · 4.625%
HK$26,845
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,610/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,201
−HK$721/mo
Today · 4.125%
HK$27,922
baseline
▲ 0.50% · 4.625%
HK$29,393
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,844/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,615
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,567
−HK$968/mo
Today · 4.125%
HK$32,535
baseline
▲ 0.50% · 4.625%
HK$34,515
+HK$1,980/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,070/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,059
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,972
−HK$927/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$37,791
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,798/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,770 · 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).