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$16,978
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$536/mo
Today · 4.125%
HK$18,042
baseline
▲ 0.50% · 4.625%
HK$19,140
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,084/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,394
−HK$514/mo
Today · 4.125%
HK$19,908
baseline
▲ 0.50% · 4.625%
HK$20,957
+HK$1,049/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,816/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,373
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,007
−HK$644/mo
Today · 4.125%
HK$21,651
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,317/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,302/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$616/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,769
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,508
−HK$751/mo
Today · 4.125%
HK$25,259
baseline
▲ 0.50% · 4.625%
HK$26,796
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,518/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,151
−HK$720/mo
Today · 4.125%
HK$27,871
baseline
▲ 0.50% · 4.625%
HK$29,340
+HK$1,469/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,742/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,560
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$966/mo
Today · 4.125%
HK$32,476
baseline
▲ 0.50% · 4.625%
HK$34,452
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,952/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,909
−HK$925/mo
Today · 4.125%
HK$35,834
baseline
▲ 0.50% · 4.625%
HK$37,723
+HK$1,889/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,668/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,364 · 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).