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$17,148
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,681
−HK$542/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,446/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,077
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,588
−HK$519/mo
Today · 4.125%
HK$20,107
baseline
▲ 0.50% · 4.625%
HK$21,167
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,214/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,577
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$651/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,892
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$623/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,753
−HK$759/mo
Today · 4.125%
HK$25,512
baseline
▲ 0.50% · 4.625%
HK$27,064
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,024/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,707
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,423
−HK$727/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,866
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,826
−HK$975/mo
Today · 4.125%
HK$32,801
baseline
▲ 0.50% · 4.625%
HK$34,797
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,602/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,338
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$934/mo
Today · 4.125%
HK$36,193
baseline
▲ 0.50% · 4.625%
HK$38,101
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,386/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,602 · 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).