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$17,282
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$546/mo
Today · 4.125%
HK$18,366
baseline
▲ 0.50% · 4.625%
HK$19,483
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,732/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,226
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,742
−HK$523/mo
Today · 4.125%
HK$20,265
baseline
▲ 0.50% · 4.625%
HK$21,333
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,530/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,738
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,383
−HK$656/mo
Today · 4.125%
HK$22,039
baseline
▲ 0.50% · 4.625%
HK$23,380
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,078/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,071
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$628/mo
Today · 4.125%
HK$24,318
baseline
▲ 0.50% · 4.625%
HK$25,600
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,636/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,195
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$765/mo
Today · 4.125%
HK$25,712
baseline
▲ 0.50% · 4.625%
HK$27,277
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,424/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$733/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,108
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,075
−HK$983/mo
Today · 4.125%
HK$33,058
baseline
▲ 0.50% · 4.625%
HK$35,070
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,116/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,607
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,535
−HK$942/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,399
+HK$1,922/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,369 · 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).