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$17,039
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,569
−HK$539/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,210
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,956
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$516/mo
Today · 4.125%
HK$19,980
baseline
▲ 0.50% · 4.625%
HK$21,033
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,960/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,447
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,083
−HK$646/mo
Today · 4.125%
HK$21,729
baseline
▲ 0.50% · 4.625%
HK$23,051
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,458/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,747
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,357
−HK$619/mo
Today · 4.125%
HK$23,976
baseline
▲ 0.50% · 4.625%
HK$25,240
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,952/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,855
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,597
−HK$754/mo
Today · 4.125%
HK$25,351
baseline
▲ 0.50% · 4.625%
HK$26,893
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,702/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,538
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,250
−HK$722/mo
Today · 4.125%
HK$27,972
baseline
▲ 0.50% · 4.625%
HK$29,447
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,944/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,671
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,625
−HK$969/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,577
+HK$1,983/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,121
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,036
−HK$928/mo
Today · 4.125%
HK$35,964
baseline
▲ 0.50% · 4.625%
HK$37,860
+HK$1,896/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$71,928/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,175 · 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).