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$16,958
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,485
−HK$536/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$19,118
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,865
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,371
−HK$513/mo
Today · 4.125%
HK$19,884
baseline
▲ 0.50% · 4.625%
HK$20,933
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,768/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,349
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,982
−HK$643/mo
Today · 4.125%
HK$21,625
baseline
▲ 0.50% · 4.625%
HK$22,941
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,250/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,638
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,245
−HK$616/mo
Today · 4.125%
HK$23,861
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,722/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,741
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,479
−HK$751/mo
Today · 4.125%
HK$25,230
baseline
▲ 0.50% · 4.625%
HK$26,765
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,460/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,411
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,120
−HK$718/mo
Today · 4.125%
HK$27,838
baseline
▲ 0.50% · 4.625%
HK$29,306
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,676/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,524
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,473
−HK$965/mo
Today · 4.125%
HK$32,438
baseline
▲ 0.50% · 4.625%
HK$34,412
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,876/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,957
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,868
−HK$924/mo
Today · 4.125%
HK$35,792
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$1,887/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,584/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,103 · 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).