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$16,944
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$535/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$19,102
+HK$1,096/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$222,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,850
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,355
−HK$513/mo
Today · 4.125%
HK$19,868
baseline
▲ 0.50% · 4.625%
HK$20,915
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,736/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,332
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,965
−HK$642/mo
Today · 4.125%
HK$21,607
baseline
▲ 0.50% · 4.625%
HK$22,922
+HK$1,315/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$222,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,226
−HK$616/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,098
+HK$1,256/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,684/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,721
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,459
−HK$750/mo
Today · 4.125%
HK$25,209
baseline
▲ 0.50% · 4.625%
HK$26,743
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,418/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,390
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,097
−HK$718/mo
Today · 4.125%
HK$27,815
baseline
▲ 0.50% · 4.625%
HK$29,281
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,630/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,499
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,447
−HK$964/mo
Today · 4.125%
HK$32,411
baseline
▲ 0.50% · 4.625%
HK$34,383
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,822/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,929
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,839
−HK$924/mo
Today · 4.125%
HK$35,763
baseline
▲ 0.50% · 4.625%
HK$37,648
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,526/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,919 · 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).