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$16,991
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,519
−HK$537/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,155
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,902
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,409
−HK$515/mo
Today · 4.125%
HK$19,924
baseline
▲ 0.50% · 4.625%
HK$20,974
+HK$1,050/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,848/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,389
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$645/mo
Today · 4.125%
HK$21,668
baseline
▲ 0.50% · 4.625%
HK$22,986
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,336/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,683
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,291
−HK$617/mo
Today · 4.125%
HK$23,908
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,816/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,787
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,527
−HK$752/mo
Today · 4.125%
HK$25,279
baseline
▲ 0.50% · 4.625%
HK$26,817
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,558/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,463
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,173
−HK$720/mo
Today · 4.125%
HK$27,893
baseline
▲ 0.50% · 4.625%
HK$29,363
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,786/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,584
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,535
−HK$967/mo
Today · 4.125%
HK$32,502
baseline
▲ 0.50% · 4.625%
HK$34,479
+HK$1,977/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,004/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,024
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,937
−HK$925/mo
Today · 4.125%
HK$35,862
baseline
▲ 0.50% · 4.625%
HK$37,753
+HK$1,891/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,724/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,541 · 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).