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$17,028
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$538/mo
Today · 4.125%
HK$18,096
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,192/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,452
−HK$515/mo
Today · 4.125%
HK$19,967
baseline
▲ 0.50% · 4.625%
HK$21,020
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,934/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,434
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$646/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$23,037
+HK$1,321/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$224,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,733
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$619/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,840
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,581
−HK$754/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,876
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,670/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$721/mo
Today · 4.125%
HK$27,954
baseline
▲ 0.50% · 4.625%
HK$29,428
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,908/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,651
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,605
−HK$968/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,555
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,099
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$927/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$37,836
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,034 · 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).