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$17,019
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$538/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,187
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,933
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,441
−HK$515/mo
Today · 4.125%
HK$19,956
baseline
▲ 0.50% · 4.625%
HK$21,008
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,912/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,423
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,058
−HK$645/mo
Today · 4.125%
HK$21,703
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,406/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$618/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,210
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,826
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,568
−HK$753/mo
Today · 4.125%
HK$25,321
baseline
▲ 0.50% · 4.625%
HK$26,861
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,642/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,507
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,218
−HK$721/mo
Today · 4.125%
HK$27,939
baseline
▲ 0.50% · 4.625%
HK$29,411
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,878/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,634
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,587
−HK$968/mo
Today · 4.125%
HK$32,555
baseline
▲ 0.50% · 4.625%
HK$34,536
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,110/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,080
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,994
−HK$927/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$37,815
+HK$1,894/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,908 · 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).