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$17,277
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,814
−HK$546/mo
Today · 4.125%
HK$18,360
baseline
▲ 0.50% · 4.625%
HK$19,477
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,720/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,220
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$523/mo
Today · 4.125%
HK$20,259
baseline
▲ 0.50% · 4.625%
HK$21,326
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,518/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,377
−HK$655/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$627/mo
Today · 4.125%
HK$24,310
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,620/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,187
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,940
−HK$764/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,908
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,630
−HK$732/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,065
−HK$983/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$35,059
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,596
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$941/mo
Today · 4.125%
HK$36,465
baseline
▲ 0.50% · 4.625%
HK$38,388
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,930/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,300 · 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).