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$16,959
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,486
−HK$536/mo
Today · 4.125%
HK$18,022
baseline
▲ 0.50% · 4.625%
HK$19,119
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,044/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,866
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,372
−HK$514/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$20,934
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,772/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,350
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$644/mo
Today · 4.125%
HK$21,627
baseline
▲ 0.50% · 4.625%
HK$22,943
+HK$1,316/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,254/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,640
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$616/mo
Today · 4.125%
HK$23,863
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,726/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,742
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,481
−HK$750/mo
Today · 4.125%
HK$25,231
baseline
▲ 0.50% · 4.625%
HK$26,766
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,462/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,413
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,121
−HK$719/mo
Today · 4.125%
HK$27,840
baseline
▲ 0.50% · 4.625%
HK$29,307
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,680/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,526
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,475
−HK$965/mo
Today · 4.125%
HK$32,440
baseline
▲ 0.50% · 4.625%
HK$34,414
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,880/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,960
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,870
−HK$924/mo
Today · 4.125%
HK$35,794
baseline
▲ 0.50% · 4.625%
HK$37,681
+HK$1,887/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,588/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,116 · 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).