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$17,139
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$541/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,578
−HK$519/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,156
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$650/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,186
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,880
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,494
−HK$622/mo
Today · 4.125%
HK$24,116
baseline
▲ 0.50% · 4.625%
HK$25,387
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,232/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,994
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$758/mo
Today · 4.125%
HK$25,499
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,998/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,693
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,409
−HK$726/mo
Today · 4.125%
HK$28,135
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,270/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,850
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,809
−HK$975/mo
Today · 4.125%
HK$32,784
baseline
▲ 0.50% · 4.625%
HK$34,779
+HK$1,995/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$65,568/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,320
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,240
−HK$934/mo
Today · 4.125%
HK$36,174
baseline
▲ 0.50% · 4.625%
HK$38,081
+HK$1,907/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$72,348/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,484 · 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).