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$17,137
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$541/mo
Today · 4.125%
HK$18,211
baseline
▲ 0.50% · 4.625%
HK$19,319
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,422/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,064
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$518/mo
Today · 4.125%
HK$20,094
baseline
▲ 0.50% · 4.625%
HK$21,154
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,188/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,564
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,204
−HK$649/mo
Today · 4.125%
HK$21,853
baseline
▲ 0.50% · 4.625%
HK$23,183
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,706/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,877
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$622/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,384
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,991
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,738
−HK$758/mo
Today · 4.125%
HK$25,496
baseline
▲ 0.50% · 4.625%
HK$27,047
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,992/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,690
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,406
−HK$726/mo
Today · 4.125%
HK$28,132
baseline
▲ 0.50% · 4.625%
HK$29,615
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,264/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,846
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,805
−HK$975/mo
Today · 4.125%
HK$32,780
baseline
▲ 0.50% · 4.625%
HK$34,775
+HK$1,995/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$65,560/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,316
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,236
−HK$934/mo
Today · 4.125%
HK$36,170
baseline
▲ 0.50% · 4.625%
HK$38,076
+HK$1,906/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$72,340/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,457 · 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).