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$17,038
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$539/mo
Today · 4.125%
HK$18,107
baseline
▲ 0.50% · 4.625%
HK$19,208
+HK$1,101/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,214/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$516/mo
Today · 4.125%
HK$19,979
baseline
▲ 0.50% · 4.625%
HK$21,032
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,958/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,446
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,082
−HK$646/mo
Today · 4.125%
HK$21,728
baseline
▲ 0.50% · 4.625%
HK$23,050
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,456/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,746
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,356
−HK$619/mo
Today · 4.125%
HK$23,975
baseline
▲ 0.50% · 4.625%
HK$25,238
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,950/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,854
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,595
−HK$754/mo
Today · 4.125%
HK$25,349
baseline
▲ 0.50% · 4.625%
HK$26,892
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,698/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,537
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,248
−HK$722/mo
Today · 4.125%
HK$27,970
baseline
▲ 0.50% · 4.625%
HK$29,445
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,940/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,669
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$969/mo
Today · 4.125%
HK$32,592
baseline
▲ 0.50% · 4.625%
HK$34,575
+HK$1,983/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,184/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,119
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,034
−HK$928/mo
Today · 4.125%
HK$35,962
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$1,896/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,924/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,162 · 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).