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$17,295
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$547/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$523/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$628/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,619
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$766/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,565/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$733/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$984/mo
Today · 4.125%
HK$33,084
baseline
▲ 0.50% · 4.625%
HK$35,097
+HK$2,013/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$66,168/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$942/mo
Today · 4.125%
HK$36,504
baseline
▲ 0.50% · 4.625%
HK$38,429
+HK$1,925/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$73,008/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,543 · 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).