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$16,949
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$535/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$19,107
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,855
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$513/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$20,921
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,748/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,338
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,971
−HK$643/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,929
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,228/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,626
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,233
−HK$616/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,106
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,728
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,466
−HK$750/mo
Today · 4.125%
HK$25,216
baseline
▲ 0.50% · 4.625%
HK$26,750
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,432/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,397
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,105
−HK$718/mo
Today · 4.125%
HK$27,823
baseline
▲ 0.50% · 4.625%
HK$29,290
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,646/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,507
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,456
−HK$964/mo
Today · 4.125%
HK$32,420
baseline
▲ 0.50% · 4.625%
HK$34,393
+HK$1,973/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,840/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,849
−HK$924/mo
Today · 4.125%
HK$35,773
baseline
▲ 0.50% · 4.625%
HK$37,658
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,546/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,983 · 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).