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$17,158
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$543/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,600
−HK$519/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,180
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,589
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,230
−HK$650/mo
Today · 4.125%
HK$21,880
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,760/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,905
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$623/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,416
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$759/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$27,080
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,440
−HK$727/mo
Today · 4.125%
HK$28,167
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,334/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,884
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,845
−HK$976/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,818
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,358
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$934/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$1,909/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,428/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,735 · 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).