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$1,075/mo
▼ 0.25% · 3.875%
HK$17,670
−HK$542/mo
Today · 4.125%
HK$18,212
baseline
▲ 0.50% · 4.625%
HK$19,320
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,424/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,065
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,576
−HK$519/mo
Today · 4.125%
HK$20,095
baseline
▲ 0.50% · 4.625%
HK$21,154
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,190/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,565
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$649/mo
Today · 4.125%
HK$21,854
baseline
▲ 0.50% · 4.625%
HK$23,184
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,708/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,492
−HK$622/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,992
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,739
−HK$758/mo
Today · 4.125%
HK$25,497
baseline
▲ 0.50% · 4.625%
HK$27,048
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,994/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,691
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,407
−HK$726/mo
Today · 4.125%
HK$28,133
baseline
▲ 0.50% · 4.625%
HK$29,616
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,266/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,847
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,807
−HK$975/mo
Today · 4.125%
HK$32,782
baseline
▲ 0.50% · 4.625%
HK$34,776
+HK$1,994/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$65,564/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,238
−HK$933/mo
Today · 4.125%
HK$36,171
baseline
▲ 0.50% · 4.625%
HK$38,078
+HK$1,907/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$72,342/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,467 · 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).