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$17,060
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,591
−HK$539/mo
Today · 4.125%
HK$18,130
baseline
▲ 0.50% · 4.625%
HK$19,233
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,260/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,980
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,489
−HK$516/mo
Today · 4.125%
HK$20,005
baseline
▲ 0.50% · 4.625%
HK$21,059
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,010/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,473
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$647/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$23,080
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$620/mo
Today · 4.125%
HK$24,006
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,012/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,885
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,628
−HK$754/mo
Today · 4.125%
HK$25,382
baseline
▲ 0.50% · 4.625%
HK$26,927
+HK$1,545/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,764/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,571
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,284
−HK$723/mo
Today · 4.125%
HK$28,007
baseline
▲ 0.50% · 4.625%
HK$29,483
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,014/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,709
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$970/mo
Today · 4.125%
HK$32,634
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,268/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,163
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,079
−HK$930/mo
Today · 4.125%
HK$36,009
baseline
▲ 0.50% · 4.625%
HK$37,907
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,018/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,454 · 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).