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$17,026
−HK$1,068/mo
▼ 0.25% · 3.875%
HK$17,556
−HK$538/mo
Today · 4.125%
HK$18,094
baseline
▲ 0.50% · 4.625%
HK$19,195
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,188/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,941
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$19,449
−HK$516/mo
Today · 4.125%
HK$19,965
baseline
▲ 0.50% · 4.625%
HK$21,017
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,930/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$224,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,431
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$646/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$23,034
+HK$1,321/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,426/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,730
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,339
−HK$619/mo
Today · 4.125%
HK$23,958
baseline
▲ 0.50% · 4.625%
HK$25,221
+HK$1,263/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,916/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$224,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,837
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,578
−HK$753/mo
Today · 4.125%
HK$25,331
baseline
▲ 0.50% · 4.625%
HK$26,873
+HK$1,542/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$50,662/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,518
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$27,229
−HK$722/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,424
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.23M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$224,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,647
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$969/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,982/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,095
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,009
−HK$928/mo
Today · 4.125%
HK$35,937
baseline
▲ 0.50% · 4.625%
HK$37,831
+HK$1,894/mo
Deposit HK$747K · loan HK$6.72M · min. income ≈ HK$71,874/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$224,004 · 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).