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$16,985
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,513
−HK$537/mo
Today · 4.125%
HK$18,050
baseline
▲ 0.50% · 4.625%
HK$19,148
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,100/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,896
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,402
−HK$515/mo
Today · 4.125%
HK$19,917
baseline
▲ 0.50% · 4.625%
HK$20,966
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,834/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,382
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,016
−HK$644/mo
Today · 4.125%
HK$21,660
baseline
▲ 0.50% · 4.625%
HK$22,978
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,320/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,675
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,283
−HK$617/mo
Today · 4.125%
HK$23,900
baseline
▲ 0.50% · 4.625%
HK$25,160
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,800/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,779
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,519
−HK$751/mo
Today · 4.125%
HK$25,270
baseline
▲ 0.50% · 4.625%
HK$26,808
+HK$1,538/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,540/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,454
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$720/mo
Today · 4.125%
HK$27,883
baseline
▲ 0.50% · 4.625%
HK$29,353
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,766/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,573
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,524
−HK$966/mo
Today · 4.125%
HK$32,490
baseline
▲ 0.50% · 4.625%
HK$34,467
+HK$1,977/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,980/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,012
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$926/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$37,740
+HK$1,890/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,463 · 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).