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$17,041
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,571
−HK$539/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,212
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,958
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$515/mo
Today · 4.125%
HK$19,982
baseline
▲ 0.50% · 4.625%
HK$21,036
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,964/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,449
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,086
−HK$646/mo
Today · 4.125%
HK$21,732
baseline
▲ 0.50% · 4.625%
HK$23,054
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,464/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,360
−HK$619/mo
Today · 4.125%
HK$23,979
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,958/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,858
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,600
−HK$754/mo
Today · 4.125%
HK$25,354
baseline
▲ 0.50% · 4.625%
HK$26,897
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,708/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,541
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$722/mo
Today · 4.125%
HK$27,975
baseline
▲ 0.50% · 4.625%
HK$29,450
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,950/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,674
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,628
−HK$970/mo
Today · 4.125%
HK$32,598
baseline
▲ 0.50% · 4.625%
HK$34,581
+HK$1,983/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$65,196/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,125
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$928/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$1,896/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,202 · 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).