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$17,011
−HK$1,067/mo
▼ 0.25% · 3.875%
HK$17,540
−HK$538/mo
Today · 4.125%
HK$18,078
baseline
▲ 0.50% · 4.625%
HK$19,177
+HK$1,099/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$36,156/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,924
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$19,432
−HK$515/mo
Today · 4.125%
HK$19,947
baseline
▲ 0.50% · 4.625%
HK$20,998
+HK$1,051/mo
Deposit HK$3.73M · loan HK$3.73M · min. income ≈ HK$39,894/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,413
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,048
−HK$645/mo
Today · 4.125%
HK$21,693
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,320/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$43,386/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,709
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$618/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,198
+HK$1,262/mo
Deposit HK$2.98M · loan HK$4.48M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$223,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,815
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$24,556
−HK$753/mo
Today · 4.125%
HK$25,309
baseline
▲ 0.50% · 4.625%
HK$26,848
+HK$1,539/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$50,618/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,494
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$27,205
−HK$720/mo
Today · 4.125%
HK$27,925
baseline
▲ 0.50% · 4.625%
HK$29,397
+HK$1,472/mo
Deposit HK$2.24M · loan HK$5.22M · min. income ≈ HK$55,850/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,619
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,572
−HK$968/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,979/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,064
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$927/mo
Today · 4.125%
HK$35,904
baseline
▲ 0.50% · 4.625%
HK$37,797
+HK$1,893/mo
Deposit HK$746K · loan HK$6.71M · min. income ≈ HK$71,808/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$223,801 · 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).