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$16,942
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$536/mo
Today · 4.125%
HK$18,005
baseline
▲ 0.50% · 4.625%
HK$19,100
+HK$1,095/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,010/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,848
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,354
−HK$513/mo
Today · 4.125%
HK$19,867
baseline
▲ 0.50% · 4.625%
HK$20,914
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,734/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,331
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$643/mo
Today · 4.125%
HK$21,606
baseline
▲ 0.50% · 4.625%
HK$22,921
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,212/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,618
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,225
−HK$615/mo
Today · 4.125%
HK$23,840
baseline
▲ 0.50% · 4.625%
HK$25,097
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,680/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$222,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,719
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,457
−HK$750/mo
Today · 4.125%
HK$25,207
baseline
▲ 0.50% · 4.625%
HK$26,741
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,414/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,388
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,095
−HK$718/mo
Today · 4.125%
HK$27,813
baseline
▲ 0.50% · 4.625%
HK$29,279
+HK$1,466/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,626/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,496
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$964/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,381
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,927
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,837
−HK$923/mo
Today · 4.125%
HK$35,760
baseline
▲ 0.50% · 4.625%
HK$37,645
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,520/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,902 · 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).