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$17,020
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,549
−HK$538/mo
Today · 4.125%
HK$18,087
baseline
▲ 0.50% · 4.625%
HK$19,188
+HK$1,101/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,174/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,934
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,442
−HK$515/mo
Today · 4.125%
HK$19,957
baseline
▲ 0.50% · 4.625%
HK$21,009
+HK$1,052/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,914/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$223,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,424
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,059
−HK$646/mo
Today · 4.125%
HK$21,705
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,320/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$43,410/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,331
−HK$618/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,262/mo
Deposit HK$2.99M · loan HK$4.48M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,828
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,569
−HK$753/mo
Today · 4.125%
HK$25,322
baseline
▲ 0.50% · 4.625%
HK$26,863
+HK$1,541/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,644/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,508
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,219
−HK$721/mo
Today · 4.125%
HK$27,940
baseline
▲ 0.50% · 4.625%
HK$29,413
+HK$1,473/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,880/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,636
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,589
−HK$968/mo
Today · 4.125%
HK$32,557
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,114/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,082
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$927/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$37,817
+HK$1,894/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,920 · 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).