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$16,995
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$537/mo
Today · 4.125%
HK$18,061
baseline
▲ 0.50% · 4.625%
HK$19,160
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,122/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$515/mo
Today · 4.125%
HK$19,929
baseline
▲ 0.50% · 4.625%
HK$20,979
+HK$1,050/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,858/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,394
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,029
−HK$644/mo
Today · 4.125%
HK$21,673
baseline
▲ 0.50% · 4.625%
HK$22,992
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,346/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$617/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,175
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,793
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,533
−HK$752/mo
Today · 4.125%
HK$25,285
baseline
▲ 0.50% · 4.625%
HK$26,824
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,570/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,470
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,180
−HK$720/mo
Today · 4.125%
HK$27,900
baseline
▲ 0.50% · 4.625%
HK$29,371
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,800/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,591
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$967/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$926/mo
Today · 4.125%
HK$35,871
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$1,891/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,742/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,597 · 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).