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$17,063
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$539/mo
Today · 4.125%
HK$18,133
baseline
▲ 0.50% · 4.625%
HK$19,237
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,266/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,983
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,492
−HK$516/mo
Today · 4.125%
HK$20,008
baseline
▲ 0.50% · 4.625%
HK$21,063
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,016/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,476
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$647/mo
Today · 4.125%
HK$21,760
baseline
▲ 0.50% · 4.625%
HK$23,084
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,520/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,779
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$620/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,275
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,888
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,632
−HK$755/mo
Today · 4.125%
HK$25,387
baseline
▲ 0.50% · 4.625%
HK$26,931
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,774/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,576
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,288
−HK$724/mo
Today · 4.125%
HK$28,012
baseline
▲ 0.50% · 4.625%
HK$29,488
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$56,024/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$971/mo
Today · 4.125%
HK$32,640
baseline
▲ 0.50% · 4.625%
HK$34,626
+HK$1,986/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,280/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,169
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,085
−HK$930/mo
Today · 4.125%
HK$36,015
baseline
▲ 0.50% · 4.625%
HK$37,913
+HK$1,898/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$72,030/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,491 · 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).