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$17,051
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,581
−HK$539/mo
Today · 4.125%
HK$18,120
baseline
▲ 0.50% · 4.625%
HK$19,223
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,240/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,969
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$517/mo
Today · 4.125%
HK$19,994
baseline
▲ 0.50% · 4.625%
HK$21,047
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,988/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,461
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,097
−HK$647/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$23,067
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,373
−HK$619/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,257
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,871
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,614
−HK$754/mo
Today · 4.125%
HK$25,368
baseline
▲ 0.50% · 4.625%
HK$26,912
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,736/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,268
−HK$723/mo
Today · 4.125%
HK$27,991
baseline
▲ 0.50% · 4.625%
HK$29,466
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,982/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,691
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$970/mo
Today · 4.125%
HK$32,616
baseline
▲ 0.50% · 4.625%
HK$34,601
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,232/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,144
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,059
−HK$929/mo
Today · 4.125%
HK$35,988
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,976/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,327 · 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).