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$17,032
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,562
−HK$539/mo
Today · 4.125%
HK$18,101
baseline
▲ 0.50% · 4.625%
HK$19,202
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,202/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$515/mo
Today · 4.125%
HK$19,972
baseline
▲ 0.50% · 4.625%
HK$21,025
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,944/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,439
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$646/mo
Today · 4.125%
HK$21,721
baseline
▲ 0.50% · 4.625%
HK$23,042
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,442/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,738
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,348
−HK$619/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,230
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,845
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,587
−HK$754/mo
Today · 4.125%
HK$25,341
baseline
▲ 0.50% · 4.625%
HK$26,883
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,682/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,239
−HK$722/mo
Today · 4.125%
HK$27,961
baseline
▲ 0.50% · 4.625%
HK$29,435
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,922/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,658
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,612
−HK$969/mo
Today · 4.125%
HK$32,581
baseline
▲ 0.50% · 4.625%
HK$34,563
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,162/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,107
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,022
−HK$928/mo
Today · 4.125%
HK$35,950
baseline
▲ 0.50% · 4.625%
HK$37,845
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,900/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,086 · 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).