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$17,062
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,593
−HK$539/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,236
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,982
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$516/mo
Today · 4.125%
HK$20,007
baseline
▲ 0.50% · 4.625%
HK$21,062
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,014/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,475
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,112
−HK$647/mo
Today · 4.125%
HK$21,759
baseline
▲ 0.50% · 4.625%
HK$23,083
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,518/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,778
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,389
−HK$620/mo
Today · 4.125%
HK$24,009
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,018/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,887
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,631
−HK$754/mo
Today · 4.125%
HK$25,385
baseline
▲ 0.50% · 4.625%
HK$26,930
+HK$1,545/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,770/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,575
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,287
−HK$723/mo
Today · 4.125%
HK$28,010
baseline
▲ 0.50% · 4.625%
HK$29,487
+HK$1,477/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,020/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,712
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,668
−HK$970/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,624
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,167
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,084
−HK$929/mo
Today · 4.125%
HK$36,013
baseline
▲ 0.50% · 4.625%
HK$37,912
+HK$1,899/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,026/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,481 · 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).