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$224,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,944
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,452
−HK$516/mo
Today · 4.125%
HK$19,968
baseline
▲ 0.50% · 4.625%
HK$21,020
+HK$1,052/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$224,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,435
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,070
−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$224,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,733
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$618/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,225
+HK$1,264/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$224,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,840
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,582
−HK$753/mo
Today · 4.125%
HK$25,335
baseline
▲ 0.50% · 4.625%
HK$26,877
+HK$1,542/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$224,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,233
−HK$722/mo
Today · 4.125%
HK$27,955
baseline
▲ 0.50% · 4.625%
HK$29,429
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,910/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,652
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,605
−HK$969/mo
Today · 4.125%
HK$32,574
baseline
▲ 0.50% · 4.625%
HK$34,556
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,148/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,100
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$928/mo
Today · 4.125%
HK$35,942
baseline
▲ 0.50% · 4.625%
HK$37,837
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,884/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,039 · 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).