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$17,304
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,842
−HK$547/mo
Today · 4.125%
HK$18,389
baseline
▲ 0.50% · 4.625%
HK$19,508
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,778/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,250
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,766
−HK$524/mo
Today · 4.125%
HK$20,290
baseline
▲ 0.50% · 4.625%
HK$21,360
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,580/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,764
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,410
−HK$656/mo
Today · 4.125%
HK$22,066
baseline
▲ 0.50% · 4.625%
HK$23,409
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,132/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$628/mo
Today · 4.125%
HK$24,348
baseline
▲ 0.50% · 4.625%
HK$25,632
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,696/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,225
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$765/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,950
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,673
−HK$733/mo
Today · 4.125%
HK$28,406
baseline
▲ 0.50% · 4.625%
HK$29,903
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,812/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,146
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,115
−HK$985/mo
Today · 4.125%
HK$33,100
baseline
▲ 0.50% · 4.625%
HK$35,114
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,200/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,650
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,579
−HK$943/mo
Today · 4.125%
HK$36,522
baseline
▲ 0.50% · 4.625%
HK$38,447
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,044/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,654 · 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).