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$17,029
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$538/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,198
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,945
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$515/mo
Today · 4.125%
HK$19,968
baseline
▲ 0.50% · 4.625%
HK$21,021
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,936/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,435
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$645/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,432/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$619/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,225
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$754/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,523
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$722/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,652
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,606
−HK$969/mo
Today · 4.125%
HK$32,575
baseline
▲ 0.50% · 4.625%
HK$34,557
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,150/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,100
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,015
−HK$928/mo
Today · 4.125%
HK$35,943
baseline
▲ 0.50% · 4.625%
HK$37,837
+HK$1,894/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,886/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,043 · 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).