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$17,135
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$542/mo
Today · 4.125%
HK$18,210
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,420/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,063
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$519/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,562
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,202
−HK$650/mo
Today · 4.125%
HK$21,852
baseline
▲ 0.50% · 4.625%
HK$23,182
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,704/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,876
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$622/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,990
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,736
−HK$758/mo
Today · 4.125%
HK$25,494
baseline
▲ 0.50% · 4.625%
HK$27,045
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,988/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,688
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,404
−HK$726/mo
Today · 4.125%
HK$28,130
baseline
▲ 0.50% · 4.625%
HK$29,613
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,260/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,844
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$975/mo
Today · 4.125%
HK$32,778
baseline
▲ 0.50% · 4.625%
HK$34,772
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,556/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,313
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$933/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,074
+HK$1,907/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,441 · 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).