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$16,988
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,517
−HK$536/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,152
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,106/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,899
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$514/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,050/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,386
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,020
−HK$644/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,679
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$617/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,783
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,523
−HK$752/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,168
−HK$720/mo
Today · 4.125%
HK$27,888
baseline
▲ 0.50% · 4.625%
HK$29,358
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,776/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,579
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,530
−HK$966/mo
Today · 4.125%
HK$32,496
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$64,992/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,931
−HK$925/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$37,746
+HK$1,890/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,712/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,504 · 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).