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$17,009
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,538
−HK$538/mo
Today · 4.125%
HK$18,076
baseline
▲ 0.50% · 4.625%
HK$19,176
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,152/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,923
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$19,430
−HK$515/mo
Today · 4.125%
HK$19,945
baseline
▲ 0.50% · 4.625%
HK$20,996
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,890/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,411
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,046
−HK$645/mo
Today · 4.125%
HK$21,691
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,382/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,707
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,316
−HK$618/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,195
+HK$1,261/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,813
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,554
−HK$752/mo
Today · 4.125%
HK$25,306
baseline
▲ 0.50% · 4.625%
HK$26,846
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,612/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,492
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$721/mo
Today · 4.125%
HK$27,923
baseline
▲ 0.50% · 4.625%
HK$29,395
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,846/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,617
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,569
−HK$967/mo
Today · 4.125%
HK$32,536
baseline
▲ 0.50% · 4.625%
HK$34,516
+HK$1,980/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,072/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,061
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,974
−HK$927/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$37,793
+HK$1,892/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,781 · 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).