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$16,963
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,491
−HK$536/mo
Today · 4.125%
HK$18,027
baseline
▲ 0.50% · 4.625%
HK$19,124
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,054/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,871
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,377
−HK$514/mo
Today · 4.125%
HK$19,891
baseline
▲ 0.50% · 4.625%
HK$20,939
+HK$1,048/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,782/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,356
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,989
−HK$643/mo
Today · 4.125%
HK$21,632
baseline
▲ 0.50% · 4.625%
HK$22,949
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$43,264/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,646
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,253
−HK$616/mo
Today · 4.125%
HK$23,869
baseline
▲ 0.50% · 4.625%
HK$25,127
+HK$1,258/mo
Deposit HK$2.98M · loan HK$4.46M · min. income ≈ HK$47,738/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,748
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,487
−HK$751/mo
Today · 4.125%
HK$25,238
baseline
▲ 0.50% · 4.625%
HK$26,773
+HK$1,535/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,476/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,128
−HK$719/mo
Today · 4.125%
HK$27,847
baseline
▲ 0.50% · 4.625%
HK$29,315
+HK$1,468/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,694/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$223,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,534
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,483
−HK$965/mo
Today · 4.125%
HK$32,448
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,896/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,968
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,879
−HK$925/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$1,887/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,175 · 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).