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$17,054
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$539/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,226
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,246/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,972
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,481
−HK$516/mo
Today · 4.125%
HK$19,997
baseline
▲ 0.50% · 4.625%
HK$21,051
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,994/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,464
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,101
−HK$647/mo
Today · 4.125%
HK$21,748
baseline
▲ 0.50% · 4.625%
HK$23,071
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,496/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,766
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,377
−HK$619/mo
Today · 4.125%
HK$23,996
baseline
▲ 0.50% · 4.625%
HK$25,261
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,992/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,875
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,618
−HK$754/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,916
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,561
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,273
−HK$723/mo
Today · 4.125%
HK$27,996
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$55,992/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,696
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$970/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,606
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,150
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,065
−HK$929/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$37,892
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,365 · 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).