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$17,020
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$538/mo
Today · 4.125%
HK$18,088
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,176/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,935
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,443
−HK$515/mo
Today · 4.125%
HK$19,958
baseline
▲ 0.50% · 4.625%
HK$21,010
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,916/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$645/mo
Today · 4.125%
HK$21,705
baseline
▲ 0.50% · 4.625%
HK$23,026
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,410/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$618/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,212
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,570
−HK$753/mo
Today · 4.125%
HK$25,323
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,646/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,509
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,220
−HK$721/mo
Today · 4.125%
HK$27,941
baseline
▲ 0.50% · 4.625%
HK$29,414
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,882/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,636
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,589
−HK$969/mo
Today · 4.125%
HK$32,558
baseline
▲ 0.50% · 4.625%
HK$34,539
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,116/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,083
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$927/mo
Today · 4.125%
HK$35,924
baseline
▲ 0.50% · 4.625%
HK$37,818
+HK$1,894/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,848/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,926 · 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).