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$17,146
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,679
−HK$542/mo
Today · 4.125%
HK$18,221
baseline
▲ 0.50% · 4.625%
HK$19,330
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,442/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,586
−HK$519/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,165
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$650/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,196
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$622/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,398
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,004
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$759/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$726/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$975/mo
Today · 4.125%
HK$32,798
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,596/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$934/mo
Today · 4.125%
HK$36,189
baseline
▲ 0.50% · 4.625%
HK$38,097
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,378/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,580 · 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).