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$17,014
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,543
−HK$538/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,181
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,928
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,435
−HK$515/mo
Today · 4.125%
HK$19,950
baseline
▲ 0.50% · 4.625%
HK$21,002
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,900/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,417
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,052
−HK$645/mo
Today · 4.125%
HK$21,697
baseline
▲ 0.50% · 4.625%
HK$23,017
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,394/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$617/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,202
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,819
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,560
−HK$753/mo
Today · 4.125%
HK$25,313
baseline
▲ 0.50% · 4.625%
HK$26,853
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,626/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,210
−HK$721/mo
Today · 4.125%
HK$27,931
baseline
▲ 0.50% · 4.625%
HK$29,403
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,862/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,625
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,578
−HK$967/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,526
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,070
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,984
−HK$927/mo
Today · 4.125%
HK$35,911
baseline
▲ 0.50% · 4.625%
HK$37,804
+HK$1,893/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,822/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,843 · 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).