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$17,279
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,816
−HK$546/mo
Today · 4.125%
HK$18,362
baseline
▲ 0.50% · 4.625%
HK$19,479
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,724/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,222
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,738
−HK$523/mo
Today · 4.125%
HK$20,261
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,522/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,734
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,379
−HK$656/mo
Today · 4.125%
HK$22,035
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,070/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,067
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,685
−HK$628/mo
Today · 4.125%
HK$24,313
baseline
▲ 0.50% · 4.625%
HK$25,594
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,626/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,190
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,942
−HK$765/mo
Today · 4.125%
HK$25,707
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,414/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,633
−HK$732/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,069
−HK$983/mo
Today · 4.125%
HK$33,052
baseline
▲ 0.50% · 4.625%
HK$35,063
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,104/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,600
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,528
−HK$941/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,392
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,324 · 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).