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$16,971
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$537/mo
Today · 4.125%
HK$18,036
baseline
▲ 0.50% · 4.625%
HK$19,133
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,072/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,881
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,387
−HK$514/mo
Today · 4.125%
HK$19,901
baseline
▲ 0.50% · 4.625%
HK$20,950
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,802/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,366
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,999
−HK$644/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,960
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,657
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$617/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,139
+HK$1,258/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,760
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,499
−HK$751/mo
Today · 4.125%
HK$25,250
baseline
▲ 0.50% · 4.625%
HK$26,786
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,500/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,433
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,142
−HK$719/mo
Today · 4.125%
HK$27,861
baseline
▲ 0.50% · 4.625%
HK$29,329
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,722/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,549
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,499
−HK$965/mo
Today · 4.125%
HK$32,464
baseline
▲ 0.50% · 4.625%
HK$34,440
+HK$1,976/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,928/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,985
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,896
−HK$925/mo
Today · 4.125%
HK$35,821
baseline
▲ 0.50% · 4.625%
HK$37,709
+HK$1,888/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,642/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,283 · 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).