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$17,042
−HK$1,069/mo
▼ 0.25% · 3.875%
HK$17,572
−HK$539/mo
Today · 4.125%
HK$18,111
baseline
▲ 0.50% · 4.625%
HK$19,213
+HK$1,102/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,222/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,959
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$516/mo
Today · 4.125%
HK$19,984
baseline
▲ 0.50% · 4.625%
HK$21,037
+HK$1,053/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$39,968/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,451
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,087
−HK$646/mo
Today · 4.125%
HK$21,733
baseline
▲ 0.50% · 4.625%
HK$23,056
+HK$1,323/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,466/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,751
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,361
−HK$619/mo
Today · 4.125%
HK$23,980
baseline
▲ 0.50% · 4.625%
HK$25,244
+HK$1,264/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,960/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,859
−HK$1,496/mo
▼ 0.25% · 3.875%
HK$24,601
−HK$754/mo
Today · 4.125%
HK$25,355
baseline
▲ 0.50% · 4.625%
HK$26,898
+HK$1,543/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,710/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,543
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$27,255
−HK$722/mo
Today · 4.125%
HK$27,977
baseline
▲ 0.50% · 4.625%
HK$29,452
+HK$1,475/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,954/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,676
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,630
−HK$970/mo
Today · 4.125%
HK$32,600
baseline
▲ 0.50% · 4.625%
HK$34,583
+HK$1,983/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$65,200/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$929/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$1,896/mo
Deposit HK$747K · loan HK$6.73M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$224,216 · 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).