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$17,016
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$538/mo
Today · 4.125%
HK$18,083
baseline
▲ 0.50% · 4.625%
HK$19,183
+HK$1,100/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,166/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,930
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$515/mo
Today · 4.125%
HK$19,953
baseline
▲ 0.50% · 4.625%
HK$21,004
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,906/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,419
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$645/mo
Today · 4.125%
HK$21,699
baseline
▲ 0.50% · 4.625%
HK$23,020
+HK$1,321/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,398/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,716
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$618/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,822
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,563
−HK$753/mo
Today · 4.125%
HK$25,316
baseline
▲ 0.50% · 4.625%
HK$26,856
+HK$1,540/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,632/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,502
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$27,213
−HK$721/mo
Today · 4.125%
HK$27,934
baseline
▲ 0.50% · 4.625%
HK$29,406
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,868/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,628
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$968/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,530
+HK$1,981/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$65,098/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,074
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$927/mo
Today · 4.125%
HK$35,915
baseline
▲ 0.50% · 4.625%
HK$37,808
+HK$1,893/mo
Deposit HK$746K · loan HK$6.72M · min. income ≈ HK$71,830/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,868 · 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).