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$17,029
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$538/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,198
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,945
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$516/mo
Today · 4.125%
HK$19,969
baseline
▲ 0.50% · 4.625%
HK$21,021
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,938/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,435
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$646/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$618/mo
Today · 4.125%
HK$23,962
baseline
▲ 0.50% · 4.625%
HK$25,225
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,924/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,841
−HK$1,495/mo
▼ 0.25% · 3.875%
HK$24,583
−HK$753/mo
Today · 4.125%
HK$25,336
baseline
▲ 0.50% · 4.625%
HK$26,878
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,672/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,523
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$722/mo
Today · 4.125%
HK$27,956
baseline
▲ 0.50% · 4.625%
HK$29,430
+HK$1,474/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,912/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,653
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,606
−HK$969/mo
Today · 4.125%
HK$32,575
baseline
▲ 0.50% · 4.625%
HK$34,557
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,150/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,101
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,016
−HK$927/mo
Today · 4.125%
HK$35,943
baseline
▲ 0.50% · 4.625%
HK$37,838
+HK$1,895/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,886/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,046 · 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).