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$16,993
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,522
−HK$537/mo
Today · 4.125%
HK$18,059
baseline
▲ 0.50% · 4.625%
HK$19,158
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,118/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,905
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,412
−HK$514/mo
Today · 4.125%
HK$19,926
baseline
▲ 0.50% · 4.625%
HK$20,977
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,852/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,392
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,026
−HK$645/mo
Today · 4.125%
HK$21,671
baseline
▲ 0.50% · 4.625%
HK$22,990
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,342/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,686
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,294
−HK$618/mo
Today · 4.125%
HK$23,912
baseline
▲ 0.50% · 4.625%
HK$25,172
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,824/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,791
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,531
−HK$752/mo
Today · 4.125%
HK$25,283
baseline
▲ 0.50% · 4.625%
HK$26,821
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,566/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,467
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,177
−HK$720/mo
Today · 4.125%
HK$27,897
baseline
▲ 0.50% · 4.625%
HK$29,367
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,794/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,588
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,540
−HK$966/mo
Today · 4.125%
HK$32,506
baseline
▲ 0.50% · 4.625%
HK$34,484
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,012/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,029
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,942
−HK$926/mo
Today · 4.125%
HK$35,868
baseline
▲ 0.50% · 4.625%
HK$37,758
+HK$1,890/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,736/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,573 · 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).