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$223,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,895
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,402
−HK$514/mo
Today · 4.125%
HK$19,916
baseline
▲ 0.50% · 4.625%
HK$20,966
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,832/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,382
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$645/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$223,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,674
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,282
−HK$617/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,778
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,518
−HK$752/mo
Today · 4.125%
HK$25,270
baseline
▲ 0.50% · 4.625%
HK$26,807
+HK$1,537/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$223,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,453
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,163
−HK$719/mo
Today · 4.125%
HK$27,882
baseline
▲ 0.50% · 4.625%
HK$29,352
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,764/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,572
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,523
−HK$966/mo
Today · 4.125%
HK$32,489
baseline
▲ 0.50% · 4.625%
HK$34,466
+HK$1,977/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,978/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,923
−HK$926/mo
Today · 4.125%
HK$35,849
baseline
▲ 0.50% · 4.625%
HK$37,738
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,698/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,457 · 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).