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$16,946
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,473
−HK$535/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$19,104
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,016/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,852
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$513/mo
Today · 4.125%
HK$19,870
baseline
▲ 0.50% · 4.625%
HK$20,918
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,740/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,335
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,967
−HK$643/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,229
−HK$615/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,101
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,724
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,462
−HK$750/mo
Today · 4.125%
HK$25,212
baseline
▲ 0.50% · 4.625%
HK$26,746
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,424/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,393
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,100
−HK$719/mo
Today · 4.125%
HK$27,819
baseline
▲ 0.50% · 4.625%
HK$29,285
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,638/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,502
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,451
−HK$964/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,387
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,933
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,843
−HK$924/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,652
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,945 · 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).