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$16,962
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,489
−HK$536/mo
Today · 4.125%
HK$18,025
baseline
▲ 0.50% · 4.625%
HK$19,122
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,050/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,870
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,376
−HK$513/mo
Today · 4.125%
HK$19,889
baseline
▲ 0.50% · 4.625%
HK$20,938
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,778/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,354
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,987
−HK$643/mo
Today · 4.125%
HK$21,630
baseline
▲ 0.50% · 4.625%
HK$22,947
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,260/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,644
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,251
−HK$616/mo
Today · 4.125%
HK$23,867
baseline
▲ 0.50% · 4.625%
HK$25,125
+HK$1,258/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,734/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,746
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,485
−HK$751/mo
Today · 4.125%
HK$25,236
baseline
▲ 0.50% · 4.625%
HK$26,771
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,472/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,418
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,126
−HK$719/mo
Today · 4.125%
HK$27,845
baseline
▲ 0.50% · 4.625%
HK$29,313
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,690/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,531
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,481
−HK$965/mo
Today · 4.125%
HK$32,446
baseline
▲ 0.50% · 4.625%
HK$34,420
+HK$1,974/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$64,892/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,877
−HK$924/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,688
+HK$1,887/mo
Deposit HK$744K · loan HK$6.69M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,156 · 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).