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$17,048
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,578
−HK$539/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,219
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,234/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,966
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$516/mo
Today · 4.125%
HK$19,990
baseline
▲ 0.50% · 4.625%
HK$21,044
+HK$1,054/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,980/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,458
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$647/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$23,063
+HK$1,322/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,759
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,369
−HK$620/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,867
−HK$1,497/mo
▼ 0.25% · 3.875%
HK$24,610
−HK$754/mo
Today · 4.125%
HK$25,364
baseline
▲ 0.50% · 4.625%
HK$26,907
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,728/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,552
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$27,264
−HK$723/mo
Today · 4.125%
HK$27,987
baseline
▲ 0.50% · 4.625%
HK$29,462
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,974/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,686
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,641
−HK$970/mo
Today · 4.125%
HK$32,611
baseline
▲ 0.50% · 4.625%
HK$34,595
+HK$1,984/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$65,222/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,138
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$929/mo
Today · 4.125%
HK$35,983
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$1,897/mo
Deposit HK$748K · loan HK$6.73M · min. income ≈ HK$71,966/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,292 · 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).