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$17,026
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$538/mo
Today · 4.125%
HK$18,093
baseline
▲ 0.50% · 4.625%
HK$19,194
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,186/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,941
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$515/mo
Today · 4.125%
HK$19,964
baseline
▲ 0.50% · 4.625%
HK$21,017
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,928/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,431
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$646/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$23,033
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,729
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,339
−HK$618/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,220
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,836
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$753/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,872
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,517
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$721/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,423
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,646
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$968/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,550
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,008
−HK$928/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$37,830
+HK$1,894/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$223,999 · 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).