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$16,980
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,508
−HK$537/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$19,143
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,090/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,890
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,397
−HK$514/mo
Today · 4.125%
HK$19,911
baseline
▲ 0.50% · 4.625%
HK$20,960
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,822/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,010
−HK$644/mo
Today · 4.125%
HK$21,654
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,308/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$617/mo
Today · 4.125%
HK$23,893
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,786/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,772
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$752/mo
Today · 4.125%
HK$25,263
baseline
▲ 0.50% · 4.625%
HK$26,800
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,526/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,446
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,155
−HK$720/mo
Today · 4.125%
HK$27,875
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,750/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,564
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$966/mo
Today · 4.125%
HK$32,481
baseline
▲ 0.50% · 4.625%
HK$34,457
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,962/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,002
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$925/mo
Today · 4.125%
HK$35,839
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,678/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,396 · 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).