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$17,056
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,586
−HK$539/mo
Today · 4.125%
HK$18,125
baseline
▲ 0.50% · 4.625%
HK$19,228
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,250/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,974
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,483
−HK$516/mo
Today · 4.125%
HK$19,999
baseline
▲ 0.50% · 4.625%
HK$21,054
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,998/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,467
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$647/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,769
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,380
−HK$619/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,265/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,878
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,621
−HK$754/mo
Today · 4.125%
HK$25,375
baseline
▲ 0.50% · 4.625%
HK$26,919
+HK$1,544/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$50,750/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,564
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,276
−HK$723/mo
Today · 4.125%
HK$27,999
baseline
▲ 0.50% · 4.625%
HK$29,475
+HK$1,476/mo
Deposit HK$2.24M · loan HK$5.24M · min. income ≈ HK$55,998/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,700
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,655
−HK$970/mo
Today · 4.125%
HK$32,625
baseline
▲ 0.50% · 4.625%
HK$34,610
+HK$1,985/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,250/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,154
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,070
−HK$929/mo
Today · 4.125%
HK$35,999
baseline
▲ 0.50% · 4.625%
HK$37,896
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,998/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,391 · 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).