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$16,967
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,495
−HK$536/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$19,128
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,876
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,382
−HK$514/mo
Today · 4.125%
HK$19,896
baseline
▲ 0.50% · 4.625%
HK$20,944
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,792/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,361
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$643/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,954
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$617/mo
Today · 4.125%
HK$23,875
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,258/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,750/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,754
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,493
−HK$751/mo
Today · 4.125%
HK$25,244
baseline
▲ 0.50% · 4.625%
HK$26,780
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,488/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,426
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,135
−HK$719/mo
Today · 4.125%
HK$27,854
baseline
▲ 0.50% · 4.625%
HK$29,322
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,708/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,541
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,491
−HK$965/mo
Today · 4.125%
HK$32,456
baseline
▲ 0.50% · 4.625%
HK$34,431
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,912/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,888
−HK$924/mo
Today · 4.125%
HK$35,812
baseline
▲ 0.50% · 4.625%
HK$37,700
+HK$1,888/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,624/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,228 · 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).