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$16,973
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,501
−HK$536/mo
Today · 4.125%
HK$18,037
baseline
▲ 0.50% · 4.625%
HK$19,135
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,074/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,882
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$514/mo
Today · 4.125%
HK$19,902
baseline
▲ 0.50% · 4.625%
HK$20,951
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,804/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,367
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$643/mo
Today · 4.125%
HK$21,644
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,288/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,658
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$616/mo
Today · 4.125%
HK$23,882
baseline
▲ 0.50% · 4.625%
HK$25,141
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,764/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,762
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,501
−HK$751/mo
Today · 4.125%
HK$25,252
baseline
▲ 0.50% · 4.625%
HK$26,788
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,504/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,435
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,144
−HK$719/mo
Today · 4.125%
HK$27,863
baseline
▲ 0.50% · 4.625%
HK$29,332
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,726/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,551
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$966/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,987
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$925/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$37,712
+HK$1,888/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,300 · 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).