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$17,175
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,709
−HK$543/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,107
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,619
−HK$520/mo
Today · 4.125%
HK$20,139
baseline
▲ 0.50% · 4.625%
HK$21,201
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,278/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,610
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$651/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$624/mo
Today · 4.125%
HK$24,167
baseline
▲ 0.50% · 4.625%
HK$25,441
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,334/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,045
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,793
−HK$759/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,749
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$728/mo
Today · 4.125%
HK$28,195
baseline
▲ 0.50% · 4.625%
HK$29,681
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,390/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,915
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,876
−HK$977/mo
Today · 4.125%
HK$32,853
baseline
▲ 0.50% · 4.625%
HK$34,852
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,706/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,392
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,314
−HK$936/mo
Today · 4.125%
HK$36,250
baseline
▲ 0.50% · 4.625%
HK$38,161
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,500/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,958 · 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).