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$17,027
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$538/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,196
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,943
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$515/mo
Today · 4.125%
HK$19,966
baseline
▲ 0.50% · 4.625%
HK$21,018
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,932/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,433
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,068
−HK$646/mo
Today · 4.125%
HK$21,714
baseline
▲ 0.50% · 4.625%
HK$23,035
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,428/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,731
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,341
−HK$618/mo
Today · 4.125%
HK$23,959
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,918/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,838
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,579
−HK$754/mo
Today · 4.125%
HK$25,333
baseline
▲ 0.50% · 4.625%
HK$26,874
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,666/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,520
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,231
−HK$721/mo
Today · 4.125%
HK$27,952
baseline
▲ 0.50% · 4.625%
HK$29,426
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,904/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,649
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,602
−HK$969/mo
Today · 4.125%
HK$32,571
baseline
▲ 0.50% · 4.625%
HK$34,553
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,142/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,097
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,011
−HK$928/mo
Today · 4.125%
HK$35,939
baseline
▲ 0.50% · 4.625%
HK$37,833
+HK$1,894/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,878/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,016 · 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).