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$16,972
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,500
−HK$536/mo
Today · 4.125%
HK$18,036
baseline
▲ 0.50% · 4.625%
HK$19,134
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,072/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,881
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,388
−HK$513/mo
Today · 4.125%
HK$19,901
baseline
▲ 0.50% · 4.625%
HK$20,950
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,802/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$223,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,366
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,000
−HK$644/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$223,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,657
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,265
−HK$617/mo
Today · 4.125%
HK$23,882
baseline
▲ 0.50% · 4.625%
HK$25,140
+HK$1,258/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$223,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,761
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,500
−HK$751/mo
Today · 4.125%
HK$25,251
baseline
▲ 0.50% · 4.625%
HK$26,787
+HK$1,536/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,502/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,434
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,143
−HK$719/mo
Today · 4.125%
HK$27,862
baseline
▲ 0.50% · 4.625%
HK$29,331
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,724/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,550
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,500
−HK$965/mo
Today · 4.125%
HK$32,465
baseline
▲ 0.50% · 4.625%
HK$34,441
+HK$1,976/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,930/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,986
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,898
−HK$924/mo
Today · 4.125%
HK$35,822
baseline
▲ 0.50% · 4.625%
HK$37,711
+HK$1,889/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,644/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,292 · 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).