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$16,978
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$537/mo
Today · 4.125%
HK$18,043
baseline
▲ 0.50% · 4.625%
HK$19,141
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,086/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,888
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,395
−HK$513/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$20,958
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,374
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$643/mo
Today · 4.125%
HK$21,651
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,302/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$616/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,769
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,509
−HK$751/mo
Today · 4.125%
HK$25,260
baseline
▲ 0.50% · 4.625%
HK$26,797
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,520/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,443
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,152
−HK$720/mo
Today · 4.125%
HK$27,872
baseline
▲ 0.50% · 4.625%
HK$29,341
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,744/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,561
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,511
−HK$966/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,453
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,998
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,910
−HK$925/mo
Today · 4.125%
HK$35,835
baseline
▲ 0.50% · 4.625%
HK$37,724
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,670/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,372 · 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).