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$17,164
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,698
−HK$542/mo
Today · 4.125%
HK$18,240
baseline
▲ 0.50% · 4.625%
HK$19,350
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,480/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,095
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,607
−HK$519/mo
Today · 4.125%
HK$20,126
baseline
▲ 0.50% · 4.625%
HK$21,187
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,252/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,597
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,237
−HK$651/mo
Today · 4.125%
HK$21,888
baseline
▲ 0.50% · 4.625%
HK$23,220
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,776/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,913
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,528
−HK$623/mo
Today · 4.125%
HK$24,151
baseline
▲ 0.50% · 4.625%
HK$25,424
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,302/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,029
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,777
−HK$759/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$27,090
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,732
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,449
−HK$728/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,662
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,895
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,856
−HK$976/mo
Today · 4.125%
HK$32,832
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,998/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,664/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,370
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$935/mo
Today · 4.125%
HK$36,227
baseline
▲ 0.50% · 4.625%
HK$38,137
+HK$1,910/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,454/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,814 · 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).