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$17,015
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$537/mo
Today · 4.125%
HK$18,082
baseline
▲ 0.50% · 4.625%
HK$19,183
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,164/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,930
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,437
−HK$515/mo
Today · 4.125%
HK$19,952
baseline
▲ 0.50% · 4.625%
HK$21,004
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,904/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,419
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$645/mo
Today · 4.125%
HK$21,699
baseline
▲ 0.50% · 4.625%
HK$23,019
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,398/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,715
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$618/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$752/mo
Today · 4.125%
HK$25,315
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,630/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,501
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,212
−HK$721/mo
Today · 4.125%
HK$27,933
baseline
▲ 0.50% · 4.625%
HK$29,405
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,866/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,628
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,580
−HK$968/mo
Today · 4.125%
HK$32,548
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,096/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$927/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$1,893/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,863 · 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).