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$17,004
−HK$1,066/mo
▼ 0.25% · 3.875%
HK$17,533
−HK$537/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,169
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,916
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,424
−HK$514/mo
Today · 4.125%
HK$19,938
baseline
▲ 0.50% · 4.625%
HK$20,989
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,876/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,404
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$645/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,319/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,700
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$618/mo
Today · 4.125%
HK$23,926
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,852/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,805
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,546
−HK$752/mo
Today · 4.125%
HK$25,298
baseline
▲ 0.50% · 4.625%
HK$26,837
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,596/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,483
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,193
−HK$721/mo
Today · 4.125%
HK$27,914
baseline
▲ 0.50% · 4.625%
HK$29,385
+HK$1,471/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,828/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,607
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,559
−HK$967/mo
Today · 4.125%
HK$32,526
baseline
▲ 0.50% · 4.625%
HK$34,505
+HK$1,979/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,052/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,049
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,963
−HK$926/mo
Today · 4.125%
HK$35,889
baseline
▲ 0.50% · 4.625%
HK$37,781
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,778/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$223,707 · 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).