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$16,947
−HK$1,062/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$535/mo
Today · 4.125%
HK$18,009
baseline
▲ 0.50% · 4.625%
HK$19,105
+HK$1,096/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,018/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,853
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,359
−HK$513/mo
Today · 4.125%
HK$19,872
baseline
▲ 0.50% · 4.625%
HK$20,919
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,744/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,336
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,969
−HK$642/mo
Today · 4.125%
HK$21,611
baseline
▲ 0.50% · 4.625%
HK$22,926
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,222/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,624
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$615/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,725
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,463
−HK$750/mo
Today · 4.125%
HK$25,213
baseline
▲ 0.50% · 4.625%
HK$26,747
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,426/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,394
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$27,102
−HK$718/mo
Today · 4.125%
HK$27,820
baseline
▲ 0.50% · 4.625%
HK$29,287
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,640/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,504
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,453
−HK$964/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,390
+HK$1,973/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,936
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,846
−HK$923/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,654
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,959 · 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).