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$17,174
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,708
−HK$543/mo
Today · 4.125%
HK$18,251
baseline
▲ 0.50% · 4.625%
HK$19,362
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,502/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,106
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,618
−HK$520/mo
Today · 4.125%
HK$20,138
baseline
▲ 0.50% · 4.625%
HK$21,200
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,276/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,609
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$651/mo
Today · 4.125%
HK$21,901
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,802/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,927
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$624/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,044
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$759/mo
Today · 4.125%
HK$25,551
baseline
▲ 0.50% · 4.625%
HK$27,106
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,102/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,748
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$727/mo
Today · 4.125%
HK$28,193
baseline
▲ 0.50% · 4.625%
HK$29,680
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,386/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,913
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,875
−HK$977/mo
Today · 4.125%
HK$32,852
baseline
▲ 0.50% · 4.625%
HK$34,851
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,704/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,391
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$936/mo
Today · 4.125%
HK$36,249
baseline
▲ 0.50% · 4.625%
HK$38,159
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,498/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,949 · 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).