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$16,943
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,470
−HK$536/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$19,101
+HK$1,095/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,849
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$513/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$20,915
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,332
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,964
−HK$643/mo
Today · 4.125%
HK$21,607
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,314/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,214/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,619
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$616/mo
Today · 4.125%
HK$23,841
baseline
▲ 0.50% · 4.625%
HK$25,097
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,682/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,720
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,458
−HK$750/mo
Today · 4.125%
HK$25,208
baseline
▲ 0.50% · 4.625%
HK$26,742
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,416/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,389
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,096
−HK$718/mo
Today · 4.125%
HK$27,814
baseline
▲ 0.50% · 4.625%
HK$29,280
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,628/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,497
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$964/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,838
−HK$923/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,910 · 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).