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$17,177
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$543/mo
Today · 4.125%
HK$18,255
baseline
▲ 0.50% · 4.625%
HK$19,365
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,510/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,110
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,622
−HK$520/mo
Today · 4.125%
HK$20,142
baseline
▲ 0.50% · 4.625%
HK$21,204
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,284/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,613
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$651/mo
Today · 4.125%
HK$21,905
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,810/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,547
−HK$623/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,445
+HK$1,275/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,048
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$760/mo
Today · 4.125%
HK$25,556
baseline
▲ 0.50% · 4.625%
HK$27,111
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,112/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,753
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,471
−HK$728/mo
Today · 4.125%
HK$28,199
baseline
▲ 0.50% · 4.625%
HK$29,685
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,398/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,919
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,881
−HK$977/mo
Today · 4.125%
HK$32,858
baseline
▲ 0.50% · 4.625%
HK$34,857
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,716/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,397
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,320
−HK$936/mo
Today · 4.125%
HK$36,256
baseline
▲ 0.50% · 4.625%
HK$38,167
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,512/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,993 · 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).