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$17,057
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$539/mo
Today · 4.125%
HK$18,127
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,254/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,976
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$516/mo
Today · 4.125%
HK$20,001
baseline
▲ 0.50% · 4.625%
HK$21,055
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,002/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,469
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$647/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$619/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,266
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,880
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,623
−HK$754/mo
Today · 4.125%
HK$25,377
baseline
▲ 0.50% · 4.625%
HK$26,922
+HK$1,545/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,754/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,566
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,279
−HK$723/mo
Today · 4.125%
HK$28,002
baseline
▲ 0.50% · 4.625%
HK$29,478
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,004/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,703
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,658
−HK$970/mo
Today · 4.125%
HK$32,628
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,256/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,157
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,073
−HK$929/mo
Today · 4.125%
HK$36,002
baseline
▲ 0.50% · 4.625%
HK$37,900
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,004/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,411 · 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).