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$17,151
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,684
−HK$542/mo
Today · 4.125%
HK$18,226
baseline
▲ 0.50% · 4.625%
HK$19,335
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,452/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,080
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,592
−HK$519/mo
Today · 4.125%
HK$20,111
baseline
▲ 0.50% · 4.625%
HK$21,171
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,222/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,581
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$651/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,896
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$623/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,405
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,011
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$759/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$27,070
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,712
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,429
−HK$726/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,639
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,310/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$975/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$935/mo
Today · 4.125%
HK$36,200
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,400/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,644 · 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).