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$16,974
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,502
−HK$536/mo
Today · 4.125%
HK$18,038
baseline
▲ 0.50% · 4.625%
HK$19,136
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,076/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,883
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,389
−HK$514/mo
Today · 4.125%
HK$19,903
baseline
▲ 0.50% · 4.625%
HK$20,952
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,806/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,368
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,002
−HK$644/mo
Today · 4.125%
HK$21,646
baseline
▲ 0.50% · 4.625%
HK$22,963
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,292/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,660
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$617/mo
Today · 4.125%
HK$23,884
baseline
▲ 0.50% · 4.625%
HK$25,143
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,768/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,763
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,502
−HK$751/mo
Today · 4.125%
HK$25,253
baseline
▲ 0.50% · 4.625%
HK$26,790
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,506/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,436
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,145
−HK$719/mo
Today · 4.125%
HK$27,864
baseline
▲ 0.50% · 4.625%
HK$29,333
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,728/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,553
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$965/mo
Today · 4.125%
HK$32,468
baseline
▲ 0.50% · 4.625%
HK$34,444
+HK$1,976/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,936/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,989
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$925/mo
Today · 4.125%
HK$35,826
baseline
▲ 0.50% · 4.625%
HK$37,714
+HK$1,888/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,652/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,313 · 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).