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$1,063/mo
▼ 0.25% · 3.875%
HK$17,476
−HK$536/mo
Today · 4.125%
HK$18,012
baseline
▲ 0.50% · 4.625%
HK$19,108
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,024/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,856
−HK$1,018/mo
▼ 0.25% · 3.875%
HK$19,361
−HK$513/mo
Today · 4.125%
HK$19,874
baseline
▲ 0.50% · 4.625%
HK$20,922
+HK$1,048/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$222,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,339
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,972
−HK$642/mo
Today · 4.125%
HK$21,614
baseline
▲ 0.50% · 4.625%
HK$22,930
+HK$1,316/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$222,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,627
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,234
−HK$615/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$222,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,729
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,467
−HK$750/mo
Today · 4.125%
HK$25,217
baseline
▲ 0.50% · 4.625%
HK$26,751
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,434/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,398
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,106
−HK$718/mo
Today · 4.125%
HK$27,824
baseline
▲ 0.50% · 4.625%
HK$29,291
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,648/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,508
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$965/mo
Today · 4.125%
HK$32,422
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,844/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,940
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,851
−HK$923/mo
Today · 4.125%
HK$35,774
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$1,886/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,548/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,990 · 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).