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$16,966
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,493
−HK$536/mo
Today · 4.125%
HK$18,029
baseline
▲ 0.50% · 4.625%
HK$19,126
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,058/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,874
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,380
−HK$514/mo
Today · 4.125%
HK$19,894
baseline
▲ 0.50% · 4.625%
HK$20,942
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,788/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,359
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,992
−HK$643/mo
Today · 4.125%
HK$21,635
baseline
▲ 0.50% · 4.625%
HK$22,952
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,270/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,649
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,256
−HK$616/mo
Today · 4.125%
HK$23,872
baseline
▲ 0.50% · 4.625%
HK$25,131
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,744/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,752
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$24,491
−HK$750/mo
Today · 4.125%
HK$25,241
baseline
▲ 0.50% · 4.625%
HK$26,777
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,482/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,424
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,132
−HK$719/mo
Today · 4.125%
HK$27,851
baseline
▲ 0.50% · 4.625%
HK$29,319
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,702/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,538
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,488
−HK$965/mo
Today · 4.125%
HK$32,453
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,906/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,973
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,884
−HK$925/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,696
+HK$1,887/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,206 · 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).