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$17,008
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$537/mo
Today · 4.125%
HK$18,074
baseline
▲ 0.50% · 4.625%
HK$19,174
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,148/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,921
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$515/mo
Today · 4.125%
HK$19,943
baseline
▲ 0.50% · 4.625%
HK$20,994
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,886/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,409
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$645/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$23,009
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,705
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$618/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,193
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,811
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,551
−HK$753/mo
Today · 4.125%
HK$25,304
baseline
▲ 0.50% · 4.625%
HK$26,843
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,608/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,489
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,199
−HK$721/mo
Today · 4.125%
HK$27,920
baseline
▲ 0.50% · 4.625%
HK$29,392
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,840/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,614
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$967/mo
Today · 4.125%
HK$32,533
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,980/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,066/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,057
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,971
−HK$926/mo
Today · 4.125%
HK$35,897
baseline
▲ 0.50% · 4.625%
HK$37,790
+HK$1,893/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,794/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,759 · 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).