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$17,262
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,799
−HK$546/mo
Today · 4.125%
HK$18,345
baseline
▲ 0.50% · 4.625%
HK$19,461
+HK$1,116/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,690/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$522/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,715
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,359
−HK$654/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,353
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,663
−HK$627/mo
Today · 4.125%
HK$24,290
baseline
▲ 0.50% · 4.625%
HK$25,570
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,580/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,167
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,919
−HK$763/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$731/mo
Today · 4.125%
HK$28,338
baseline
▲ 0.50% · 4.625%
HK$29,832
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,676/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,072
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,038
−HK$982/mo
Today · 4.125%
HK$33,020
baseline
▲ 0.50% · 4.625%
HK$35,029
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,040/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,567
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,494
−HK$941/mo
Today · 4.125%
HK$36,435
baseline
▲ 0.50% · 4.625%
HK$38,355
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,870/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,108 · 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).