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$16,975
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,503
−HK$537/mo
Today · 4.125%
HK$18,040
baseline
▲ 0.50% · 4.625%
HK$19,137
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,080/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,885
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,391
−HK$514/mo
Today · 4.125%
HK$19,905
baseline
▲ 0.50% · 4.625%
HK$20,954
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,810/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,370
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,004
−HK$644/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,965
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,662
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$616/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,145
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,765
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,505
−HK$751/mo
Today · 4.125%
HK$25,256
baseline
▲ 0.50% · 4.625%
HK$26,792
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,512/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,439
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,148
−HK$719/mo
Today · 4.125%
HK$27,867
baseline
▲ 0.50% · 4.625%
HK$29,336
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,734/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,556
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,506
−HK$966/mo
Today · 4.125%
HK$32,472
baseline
▲ 0.50% · 4.625%
HK$34,447
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,944/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,993
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$925/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$37,718
+HK$1,889/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,334 · 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).