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$16,992
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,520
−HK$537/mo
Today · 4.125%
HK$18,057
baseline
▲ 0.50% · 4.625%
HK$19,156
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,114/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,903
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,410
−HK$514/mo
Today · 4.125%
HK$19,924
baseline
▲ 0.50% · 4.625%
HK$20,975
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,848/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,390
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$645/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,987
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,292
−HK$617/mo
Today · 4.125%
HK$23,909
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,818/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,788
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$24,528
−HK$752/mo
Today · 4.125%
HK$25,280
baseline
▲ 0.50% · 4.625%
HK$26,818
+HK$1,538/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,560/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,464
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$27,174
−HK$720/mo
Today · 4.125%
HK$27,894
baseline
▲ 0.50% · 4.625%
HK$29,364
+HK$1,470/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,788/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,585
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$967/mo
Today · 4.125%
HK$32,503
baseline
▲ 0.50% · 4.625%
HK$34,481
+HK$1,978/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$65,006/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,026
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,938
−HK$926/mo
Today · 4.125%
HK$35,864
baseline
▲ 0.50% · 4.625%
HK$37,754
+HK$1,890/mo
Deposit HK$745K · loan HK$6.71M · min. income ≈ HK$71,728/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,550 · 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).