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$17,286
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$546/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,488
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,740/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,231
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,746
−HK$523/mo
Today · 4.125%
HK$20,269
baseline
▲ 0.50% · 4.625%
HK$21,338
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,538/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,743
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,388
−HK$656/mo
Today · 4.125%
HK$22,044
baseline
▲ 0.50% · 4.625%
HK$23,385
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,088/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,077
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,696
−HK$627/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,606
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,200
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$765/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,283
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,645
−HK$732/mo
Today · 4.125%
HK$28,377
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,754/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,115
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$983/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,615
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$942/mo
Today · 4.125%
HK$36,485
baseline
▲ 0.50% · 4.625%
HK$38,408
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,970/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,423 · 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).