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$16,968
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,496
−HK$536/mo
Today · 4.125%
HK$18,032
baseline
▲ 0.50% · 4.625%
HK$19,130
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,064/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,877
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,383
−HK$514/mo
Today · 4.125%
HK$19,897
baseline
▲ 0.50% · 4.625%
HK$20,946
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,794/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,362
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,995
−HK$644/mo
Today · 4.125%
HK$21,639
baseline
▲ 0.50% · 4.625%
HK$22,956
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,278/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,653
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,260
−HK$616/mo
Today · 4.125%
HK$23,876
baseline
▲ 0.50% · 4.625%
HK$25,135
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,752/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,756
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,495
−HK$750/mo
Today · 4.125%
HK$25,245
baseline
▲ 0.50% · 4.625%
HK$26,781
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,490/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,428
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,137
−HK$719/mo
Today · 4.125%
HK$27,856
baseline
▲ 0.50% · 4.625%
HK$29,324
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,712/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,543
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$965/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$925/mo
Today · 4.125%
HK$35,815
baseline
▲ 0.50% · 4.625%
HK$37,702
+HK$1,887/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,630/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,243 · 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).