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$17,053
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,584
−HK$539/mo
Today · 4.125%
HK$18,123
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,246/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,971
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,480
−HK$516/mo
Today · 4.125%
HK$19,996
baseline
▲ 0.50% · 4.625%
HK$21,050
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,992/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,464
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,100
−HK$647/mo
Today · 4.125%
HK$21,747
baseline
▲ 0.50% · 4.625%
HK$23,070
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,494/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,766
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,376
−HK$620/mo
Today · 4.125%
HK$23,996
baseline
▲ 0.50% · 4.625%
HK$25,261
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,992/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,874
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,617
−HK$755/mo
Today · 4.125%
HK$25,372
baseline
▲ 0.50% · 4.625%
HK$26,915
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,744/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,560
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,272
−HK$723/mo
Today · 4.125%
HK$27,995
baseline
▲ 0.50% · 4.625%
HK$29,471
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$55,990/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,696
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,650
−HK$971/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,605
+HK$1,984/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,064
−HK$930/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$37,891
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,359 · 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).