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$17,299
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$547/mo
Today · 4.125%
HK$18,384
baseline
▲ 0.50% · 4.625%
HK$19,503
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,768/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,245
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$524/mo
Today · 4.125%
HK$20,285
baseline
▲ 0.50% · 4.625%
HK$21,354
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,570/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,759
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$656/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,403
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,122/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,714
−HK$628/mo
Today · 4.125%
HK$24,342
baseline
▲ 0.50% · 4.625%
HK$25,625
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,684/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,219
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,972
−HK$766/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,304
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,943
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,666
−HK$733/mo
Today · 4.125%
HK$28,399
baseline
▲ 0.50% · 4.625%
HK$29,896
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,798/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,139
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,107
−HK$984/mo
Today · 4.125%
HK$33,091
baseline
▲ 0.50% · 4.625%
HK$35,105
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,182/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,641
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,570
−HK$943/mo
Today · 4.125%
HK$36,513
baseline
▲ 0.50% · 4.625%
HK$38,437
+HK$1,924/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,026/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,596 · 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).