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$16,988
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,517
−HK$537/mo
Today · 4.125%
HK$18,054
baseline
▲ 0.50% · 4.625%
HK$19,152
+HK$1,098/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,108/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,899
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,406
−HK$515/mo
Today · 4.125%
HK$19,921
baseline
▲ 0.50% · 4.625%
HK$20,971
+HK$1,050/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,842/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,386
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,020
−HK$645/mo
Today · 4.125%
HK$21,665
baseline
▲ 0.50% · 4.625%
HK$22,983
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,330/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,679
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$617/mo
Today · 4.125%
HK$23,905
baseline
▲ 0.50% · 4.625%
HK$25,165
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,810/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,784
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,524
−HK$751/mo
Today · 4.125%
HK$25,275
baseline
▲ 0.50% · 4.625%
HK$26,813
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,550/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,169
−HK$720/mo
Today · 4.125%
HK$27,889
baseline
▲ 0.50% · 4.625%
HK$29,359
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,778/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,579
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,530
−HK$967/mo
Today · 4.125%
HK$32,497
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,977/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$64,994/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,931
−HK$926/mo
Today · 4.125%
HK$35,857
baseline
▲ 0.50% · 4.625%
HK$37,747
+HK$1,890/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,714/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,508 · 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).