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$17,176
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,711
−HK$543/mo
Today · 4.125%
HK$18,254
baseline
▲ 0.50% · 4.625%
HK$19,364
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,508/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,109
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$520/mo
Today · 4.125%
HK$20,141
baseline
▲ 0.50% · 4.625%
HK$21,203
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,282/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,612
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,253
−HK$651/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,237
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$624/mo
Today · 4.125%
HK$24,169
baseline
▲ 0.50% · 4.625%
HK$25,443
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,338/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,047
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,795
−HK$760/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$27,110
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,752
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,470
−HK$727/mo
Today · 4.125%
HK$28,197
baseline
▲ 0.50% · 4.625%
HK$29,684
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,394/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,918
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$977/mo
Today · 4.125%
HK$32,856
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$2,000/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,712/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,396
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$936/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,981 · 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).