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$17,135
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,668
−HK$542/mo
Today · 4.125%
HK$18,210
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,420/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,063
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,574
−HK$518/mo
Today · 4.125%
HK$20,092
baseline
▲ 0.50% · 4.625%
HK$21,152
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,184/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,562
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,202
−HK$649/mo
Today · 4.125%
HK$21,851
baseline
▲ 0.50% · 4.625%
HK$23,181
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,702/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,875
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$622/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,989
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,735
−HK$758/mo
Today · 4.125%
HK$25,493
baseline
▲ 0.50% · 4.625%
HK$27,045
+HK$1,552/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,986/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,688
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$726/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,612
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,843
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,802
−HK$975/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,772
+HK$1,995/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,313
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$933/mo
Today · 4.125%
HK$36,166
baseline
▲ 0.50% · 4.625%
HK$38,073
+HK$1,907/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,332/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,436 · 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).