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$17,047
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$538/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,219
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,232/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,965
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$516/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,457
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,093
−HK$647/mo
Today · 4.125%
HK$21,740
baseline
▲ 0.50% · 4.625%
HK$23,062
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,480/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,758
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,368
−HK$620/mo
Today · 4.125%
HK$23,988
baseline
▲ 0.50% · 4.625%
HK$25,252
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,976/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,866
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,609
−HK$754/mo
Today · 4.125%
HK$25,363
baseline
▲ 0.50% · 4.625%
HK$26,906
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,726/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,551
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,263
−HK$722/mo
Today · 4.125%
HK$27,985
baseline
▲ 0.50% · 4.625%
HK$29,461
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,970/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,640
−HK$969/mo
Today · 4.125%
HK$32,609
baseline
▲ 0.50% · 4.625%
HK$34,594
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,218/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,137
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,053
−HK$928/mo
Today · 4.125%
HK$35,981
baseline
▲ 0.50% · 4.625%
HK$37,878
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,962/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,282 · 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).