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$17,284
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,822
−HK$546/mo
Today · 4.125%
HK$18,368
baseline
▲ 0.50% · 4.625%
HK$19,486
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,736/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,228
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$523/mo
Today · 4.125%
HK$20,267
baseline
▲ 0.50% · 4.625%
HK$21,336
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,534/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,741
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,386
−HK$656/mo
Today · 4.125%
HK$22,042
baseline
▲ 0.50% · 4.625%
HK$23,383
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,084/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,074
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$628/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,603
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,198
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,950
−HK$765/mo
Today · 4.125%
HK$25,715
baseline
▲ 0.50% · 4.625%
HK$27,280
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,430/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,920
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$732/mo
Today · 4.125%
HK$28,374
baseline
▲ 0.50% · 4.625%
HK$29,870
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,748/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,111
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,079
−HK$983/mo
Today · 4.125%
HK$33,062
baseline
▲ 0.50% · 4.625%
HK$35,074
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,124/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,611
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,539
−HK$942/mo
Today · 4.125%
HK$36,481
baseline
▲ 0.50% · 4.625%
HK$38,404
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,962/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,397 · 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).