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$16,969
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,497
−HK$537/mo
Today · 4.125%
HK$18,034
baseline
▲ 0.50% · 4.625%
HK$19,131
+HK$1,097/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,068/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,878
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$513/mo
Today · 4.125%
HK$19,898
baseline
▲ 0.50% · 4.625%
HK$20,947
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,796/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,363
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$643/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,957
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$617/mo
Today · 4.125%
HK$23,878
baseline
▲ 0.50% · 4.625%
HK$25,136
+HK$1,258/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,756/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,757
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,496
−HK$751/mo
Today · 4.125%
HK$25,247
baseline
▲ 0.50% · 4.625%
HK$26,783
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,494/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,430
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$27,138
−HK$719/mo
Today · 4.125%
HK$27,857
baseline
▲ 0.50% · 4.625%
HK$29,326
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,714/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,545
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,495
−HK$965/mo
Today · 4.125%
HK$32,460
baseline
▲ 0.50% · 4.625%
HK$34,435
+HK$1,975/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,920/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,981
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,892
−HK$925/mo
Today · 4.125%
HK$35,817
baseline
▲ 0.50% · 4.625%
HK$37,705
+HK$1,888/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,634/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$223,257 · 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).