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$17,032
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,561
−HK$539/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,201
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,456
−HK$515/mo
Today · 4.125%
HK$19,971
baseline
▲ 0.50% · 4.625%
HK$21,024
+HK$1,053/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,942/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,438
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$646/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$618/mo
Today · 4.125%
HK$23,965
baseline
▲ 0.50% · 4.625%
HK$25,229
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,930/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,844
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,586
−HK$754/mo
Today · 4.125%
HK$25,340
baseline
▲ 0.50% · 4.625%
HK$26,881
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,680/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,527
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$722/mo
Today · 4.125%
HK$27,960
baseline
▲ 0.50% · 4.625%
HK$29,433
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,920/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,657
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,611
−HK$968/mo
Today · 4.125%
HK$32,579
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,983/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,158/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,106
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,020
−HK$928/mo
Today · 4.125%
HK$35,948
baseline
▲ 0.50% · 4.625%
HK$37,843
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,896/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,076 · 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).