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$17,577
−HK$539/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,218
+HK$1,102/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$224,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,964
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,473
−HK$516/mo
Today · 4.125%
HK$19,989
baseline
▲ 0.50% · 4.625%
HK$21,043
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,978/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,456
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,092
−HK$647/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$23,062
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,757
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,368
−HK$619/mo
Today · 4.125%
HK$23,987
baseline
▲ 0.50% · 4.625%
HK$25,251
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,974/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,865
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,608
−HK$754/mo
Today · 4.125%
HK$25,362
baseline
▲ 0.50% · 4.625%
HK$26,905
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,724/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,550
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,262
−HK$723/mo
Today · 4.125%
HK$27,985
baseline
▲ 0.50% · 4.625%
HK$29,460
+HK$1,475/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$224,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,684
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,639
−HK$969/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,136
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$929/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$37,877
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,275 · 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).