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$16,956
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$536/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$19,115
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,863
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,369
−HK$513/mo
Today · 4.125%
HK$19,882
baseline
▲ 0.50% · 4.625%
HK$20,930
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,764/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,347
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$643/mo
Today · 4.125%
HK$21,623
baseline
▲ 0.50% · 4.625%
HK$22,939
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,246/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,243
−HK$616/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,116
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,738
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,476
−HK$751/mo
Today · 4.125%
HK$25,227
baseline
▲ 0.50% · 4.625%
HK$26,762
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,454/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,408
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,117
−HK$718/mo
Today · 4.125%
HK$27,835
baseline
▲ 0.50% · 4.625%
HK$29,302
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,670/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,520
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$964/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$924/mo
Today · 4.125%
HK$35,788
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$1,886/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,576/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,077 · 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).