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$17,134
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,667
−HK$542/mo
Today · 4.125%
HK$18,209
baseline
▲ 0.50% · 4.625%
HK$19,317
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,418/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,062
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,573
−HK$518/mo
Today · 4.125%
HK$20,091
baseline
▲ 0.50% · 4.625%
HK$21,150
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,182/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,561
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$649/mo
Today · 4.125%
HK$21,850
baseline
▲ 0.50% · 4.625%
HK$23,180
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,700/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,874
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,487
−HK$623/mo
Today · 4.125%
HK$24,110
baseline
▲ 0.50% · 4.625%
HK$25,381
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,220/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,988
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,734
−HK$758/mo
Today · 4.125%
HK$25,492
baseline
▲ 0.50% · 4.625%
HK$27,043
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,984/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,686
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$726/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,611
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,801
−HK$975/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,770
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,311
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,231
−HK$934/mo
Today · 4.125%
HK$36,165
baseline
▲ 0.50% · 4.625%
HK$38,071
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,330/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,425 · 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).