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$16,992
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,521
−HK$537/mo
Today · 4.125%
HK$18,058
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$1,098/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,116/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,904
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,411
−HK$514/mo
Today · 4.125%
HK$19,925
baseline
▲ 0.50% · 4.625%
HK$20,975
+HK$1,050/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,850/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,391
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$644/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$617/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,789
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,529
−HK$752/mo
Today · 4.125%
HK$25,281
baseline
▲ 0.50% · 4.625%
HK$26,819
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,562/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,175
−HK$720/mo
Today · 4.125%
HK$27,895
baseline
▲ 0.50% · 4.625%
HK$29,365
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,790/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,586
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,537
−HK$967/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,026
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,939
−HK$926/mo
Today · 4.125%
HK$35,865
baseline
▲ 0.50% · 4.625%
HK$37,755
+HK$1,890/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,730/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,556 · 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).