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$16,986
−HK$1,065/mo
▼ 0.25% · 3.875%
HK$17,515
−HK$536/mo
Today · 4.125%
HK$18,051
baseline
▲ 0.50% · 4.625%
HK$19,150
+HK$1,099/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,102/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,897
−HK$1,021/mo
▼ 0.25% · 3.875%
HK$19,404
−HK$514/mo
Today · 4.125%
HK$19,918
baseline
▲ 0.50% · 4.625%
HK$20,968
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,836/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,383
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$645/mo
Today · 4.125%
HK$21,662
baseline
▲ 0.50% · 4.625%
HK$22,980
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,324/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,676
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$617/mo
Today · 4.125%
HK$23,901
baseline
▲ 0.50% · 4.625%
HK$25,161
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,802/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,781
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$24,520
−HK$752/mo
Today · 4.125%
HK$25,272
baseline
▲ 0.50% · 4.625%
HK$26,810
+HK$1,538/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,544/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,456
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$27,165
−HK$720/mo
Today · 4.125%
HK$27,885
baseline
▲ 0.50% · 4.625%
HK$29,355
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,770/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,575
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,526
−HK$966/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,470
+HK$1,978/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,014
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,927
−HK$925/mo
Today · 4.125%
HK$35,852
baseline
▲ 0.50% · 4.625%
HK$37,742
+HK$1,890/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,704/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,477 · 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).