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$16,980
−HK$1,064/mo
▼ 0.25% · 3.875%
HK$17,508
−HK$536/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$1,098/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$36,088/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,890
−HK$1,020/mo
▼ 0.25% · 3.875%
HK$19,396
−HK$514/mo
Today · 4.125%
HK$19,910
baseline
▲ 0.50% · 4.625%
HK$20,960
+HK$1,050/mo
Deposit HK$3.72M · loan HK$3.72M · min. income ≈ HK$39,820/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$223,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,376
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$644/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,318/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$616/mo
Today · 4.125%
HK$23,892
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,260/mo
Deposit HK$2.98M · loan HK$4.47M · min. income ≈ HK$47,784/mo (50% DSR)
Upfront cash ≈ HK$3.20M (deposit + AVD stamp duty HK$223,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,772
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$24,511
−HK$751/mo
Today · 4.125%
HK$25,262
baseline
▲ 0.50% · 4.625%
HK$26,799
+HK$1,537/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$50,524/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,446
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$27,155
−HK$719/mo
Today · 4.125%
HK$27,874
baseline
▲ 0.50% · 4.625%
HK$29,344
+HK$1,470/mo
Deposit HK$2.23M · loan HK$5.21M · min. income ≈ HK$55,748/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$223,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,563
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,514
−HK$966/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,456
+HK$1,976/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,913
−HK$925/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$1,890/mo
Deposit HK$745K · loan HK$6.70M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$223,392 · 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).