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$17,000
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,529
−HK$537/mo
Today · 4.125%
HK$18,066
baseline
▲ 0.50% · 4.625%
HK$19,165
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,132/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,912
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,419
−HK$515/mo
Today · 4.125%
HK$19,934
baseline
▲ 0.50% · 4.625%
HK$20,985
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,868/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,400
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,034
−HK$645/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,998
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,695
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,303
−HK$618/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,182
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,800
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,540
−HK$752/mo
Today · 4.125%
HK$25,292
baseline
▲ 0.50% · 4.625%
HK$26,831
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,584/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,477
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,187
−HK$721/mo
Today · 4.125%
HK$27,908
baseline
▲ 0.50% · 4.625%
HK$29,379
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,816/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,600
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,552
−HK$967/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,497
+HK$1,978/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,042
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$926/mo
Today · 4.125%
HK$35,881
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,762/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,659 · 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).