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$1,064/mo
▼ 0.25% · 3.875%
HK$17,487
−HK$536/mo
Today · 4.125%
HK$18,023
baseline
▲ 0.50% · 4.625%
HK$19,119
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,046/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,867
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,373
−HK$513/mo
Today · 4.125%
HK$19,886
baseline
▲ 0.50% · 4.625%
HK$20,935
+HK$1,049/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$223,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,351
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$643/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$223,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,641
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,248
−HK$616/mo
Today · 4.125%
HK$23,864
baseline
▲ 0.50% · 4.625%
HK$25,122
+HK$1,258/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,728/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,743
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,482
−HK$750/mo
Today · 4.125%
HK$25,232
baseline
▲ 0.50% · 4.625%
HK$26,767
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,464/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,414
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,122
−HK$719/mo
Today · 4.125%
HK$27,841
baseline
▲ 0.50% · 4.625%
HK$29,309
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,682/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,527
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$965/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,415
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,961
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,872
−HK$924/mo
Today · 4.125%
HK$35,796
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$1,886/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,592/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,125 · 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).