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$17,023
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$538/mo
Today · 4.125%
HK$18,091
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,182/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,938
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,446
−HK$515/mo
Today · 4.125%
HK$19,961
baseline
▲ 0.50% · 4.625%
HK$21,014
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,922/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,428
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,063
−HK$646/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,335
−HK$619/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,216
+HK$1,262/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,833
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,574
−HK$753/mo
Today · 4.125%
HK$25,327
baseline
▲ 0.50% · 4.625%
HK$26,868
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,654/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,513
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$721/mo
Today · 4.125%
HK$27,946
baseline
▲ 0.50% · 4.625%
HK$29,419
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,892/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,642
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,595
−HK$968/mo
Today · 4.125%
HK$32,563
baseline
▲ 0.50% · 4.625%
HK$34,545
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,126/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,089
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$35,003
−HK$927/mo
Today · 4.125%
HK$35,930
baseline
▲ 0.50% · 4.625%
HK$37,824
+HK$1,894/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,860/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,965 · 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).