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$17,278
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,815
−HK$546/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,737
−HK$523/mo
Today · 4.125%
HK$20,260
baseline
▲ 0.50% · 4.625%
HK$21,328
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,520/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,733
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,378
−HK$655/mo
Today · 4.125%
HK$22,033
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,066/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,684
−HK$628/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,593
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,189
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,941
−HK$765/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,910
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$733/mo
Today · 4.125%
HK$28,364
baseline
▲ 0.50% · 4.625%
HK$29,859
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,728/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,100
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,067
−HK$983/mo
Today · 4.125%
HK$33,050
baseline
▲ 0.50% · 4.625%
HK$35,061
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,100/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,598
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,526
−HK$941/mo
Today · 4.125%
HK$36,467
baseline
▲ 0.50% · 4.625%
HK$38,390
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,934/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,313 · 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).