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$17,131
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$541/mo
Today · 4.125%
HK$18,205
baseline
▲ 0.50% · 4.625%
HK$19,313
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,410/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,058
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$519/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,147
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,557
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,197
−HK$650/mo
Today · 4.125%
HK$21,847
baseline
▲ 0.50% · 4.625%
HK$23,176
+HK$1,329/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,694/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,870
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,483
−HK$623/mo
Today · 4.125%
HK$24,106
baseline
▲ 0.50% · 4.625%
HK$25,376
+HK$1,270/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,212/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,984
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,730
−HK$758/mo
Today · 4.125%
HK$25,488
baseline
▲ 0.50% · 4.625%
HK$27,039
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,976/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,682
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$726/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,606
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,836
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$975/mo
Today · 4.125%
HK$32,770
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,540/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,305
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,225
−HK$933/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,064
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,386 · 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).