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$16,997
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,526
−HK$537/mo
Today · 4.125%
HK$18,063
baseline
▲ 0.50% · 4.625%
HK$19,162
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,126/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,909
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,417
−HK$514/mo
Today · 4.125%
HK$19,931
baseline
▲ 0.50% · 4.625%
HK$20,982
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,862/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,397
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$645/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,691
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$617/mo
Today · 4.125%
HK$23,917
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,834/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,796
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,536
−HK$753/mo
Today · 4.125%
HK$25,289
baseline
▲ 0.50% · 4.625%
HK$26,827
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,578/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$720/mo
Today · 4.125%
HK$27,903
baseline
▲ 0.50% · 4.625%
HK$29,374
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,806/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,595
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,547
−HK$967/mo
Today · 4.125%
HK$32,514
baseline
▲ 0.50% · 4.625%
HK$34,492
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,028/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,037
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,950
−HK$926/mo
Today · 4.125%
HK$35,876
baseline
▲ 0.50% · 4.625%
HK$37,767
+HK$1,891/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,752/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,624 · 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).