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$17,150
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$542/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,079
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,591
−HK$519/mo
Today · 4.125%
HK$20,110
baseline
▲ 0.50% · 4.625%
HK$21,170
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,220/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,580
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,220
−HK$651/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,201
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,895
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,509
−HK$623/mo
Today · 4.125%
HK$24,132
baseline
▲ 0.50% · 4.625%
HK$25,404
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,264/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,010
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,757
−HK$759/mo
Today · 4.125%
HK$25,516
baseline
▲ 0.50% · 4.625%
HK$27,068
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,032/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,711
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,427
−HK$727/mo
Today · 4.125%
HK$28,154
baseline
▲ 0.50% · 4.625%
HK$29,638
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,308/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,870
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$976/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,802
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,343
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$934/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,633 · 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).