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$16,945
−HK$1,063/mo
▼ 0.25% · 3.875%
HK$17,472
−HK$536/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$19,103
+HK$1,095/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,016/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,851
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$19,357
−HK$513/mo
Today · 4.125%
HK$19,870
baseline
▲ 0.50% · 4.625%
HK$20,917
+HK$1,047/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,740/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$222,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,334
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$643/mo
Today · 4.125%
HK$21,609
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,315/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$43,218/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$615/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,257/mo
Deposit HK$2.97M · loan HK$4.46M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$222,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,723
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$24,461
−HK$750/mo
Today · 4.125%
HK$25,211
baseline
▲ 0.50% · 4.625%
HK$26,745
+HK$1,534/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$50,422/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,392
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$27,099
−HK$718/mo
Today · 4.125%
HK$27,817
baseline
▲ 0.50% · 4.625%
HK$29,284
+HK$1,467/mo
Deposit HK$2.23M · loan HK$5.20M · min. income ≈ HK$55,634/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$222,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,501
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,450
−HK$964/mo
Today · 4.125%
HK$32,414
baseline
▲ 0.50% · 4.625%
HK$34,386
+HK$1,972/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$64,828/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,932
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,842
−HK$923/mo
Today · 4.125%
HK$35,765
baseline
▲ 0.50% · 4.625%
HK$37,650
+HK$1,885/mo
Deposit HK$743K · loan HK$6.69M · min. income ≈ HK$71,530/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$222,935 · 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).