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$17,057
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,587
−HK$539/mo
Today · 4.125%
HK$18,126
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,252/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,484
−HK$517/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,468
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$647/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$620/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,266
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,879
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,622
−HK$755/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,921
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,566
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$723/mo
Today · 4.125%
HK$28,001
baseline
▲ 0.50% · 4.625%
HK$29,477
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,002/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,702
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,657
−HK$971/mo
Today · 4.125%
HK$32,628
baseline
▲ 0.50% · 4.625%
HK$34,613
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,256/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,156
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,072
−HK$929/mo
Today · 4.125%
HK$36,001
baseline
▲ 0.50% · 4.625%
HK$37,899
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,002/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,407 · 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).