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$17,004
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$537/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,170
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,917
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$515/mo
Today · 4.125%
HK$19,939
baseline
▲ 0.50% · 4.625%
HK$20,990
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,878/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,405
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,040
−HK$644/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$23,004
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,700
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$618/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,188
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,806
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$753/mo
Today · 4.125%
HK$25,299
baseline
▲ 0.50% · 4.625%
HK$26,838
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,598/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,484
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,194
−HK$720/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,386
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$968/mo
Today · 4.125%
HK$32,527
baseline
▲ 0.50% · 4.625%
HK$34,506
+HK$1,979/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,054/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,964
−HK$926/mo
Today · 4.125%
HK$35,890
baseline
▲ 0.50% · 4.625%
HK$37,782
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,780/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,713 · 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).