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$16,976
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,504
−HK$537/mo
Today · 4.125%
HK$18,041
baseline
▲ 0.50% · 4.625%
HK$19,139
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,082/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,886
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,393
−HK$513/mo
Today · 4.125%
HK$19,906
baseline
▲ 0.50% · 4.625%
HK$20,956
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,812/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,372
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$644/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,663
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$617/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,147
+HK$1,259/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,767
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,506
−HK$751/mo
Today · 4.125%
HK$25,257
baseline
▲ 0.50% · 4.625%
HK$26,794
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,514/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,440
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,150
−HK$719/mo
Today · 4.125%
HK$27,869
baseline
▲ 0.50% · 4.625%
HK$29,338
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,738/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,557
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,508
−HK$966/mo
Today · 4.125%
HK$32,474
baseline
▲ 0.50% · 4.625%
HK$34,450
+HK$1,976/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$64,948/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,995
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,907
−HK$925/mo
Today · 4.125%
HK$35,832
baseline
▲ 0.50% · 4.625%
HK$37,720
+HK$1,888/mo
Deposit HK$744K · loan HK$6.70M · min. income ≈ HK$71,664/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,349 · 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).