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$16,988
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,516
−HK$537/mo
Today · 4.125%
HK$18,053
baseline
▲ 0.50% · 4.625%
HK$19,151
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,106/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,899
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,405
−HK$515/mo
Today · 4.125%
HK$19,920
baseline
▲ 0.50% · 4.625%
HK$20,970
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,840/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,385
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,019
−HK$644/mo
Today · 4.125%
HK$21,663
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,326/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$618/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,163
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,783
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,522
−HK$752/mo
Today · 4.125%
HK$25,274
baseline
▲ 0.50% · 4.625%
HK$26,812
+HK$1,538/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,548/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,168
−HK$719/mo
Today · 4.125%
HK$27,887
baseline
▲ 0.50% · 4.625%
HK$29,357
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,774/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,578
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,529
−HK$966/mo
Today · 4.125%
HK$32,495
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,977/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,990/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,930
−HK$925/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$1,890/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,497 · 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).