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$17,273
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,810
−HK$546/mo
Today · 4.125%
HK$18,356
baseline
▲ 0.50% · 4.625%
HK$19,473
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,712/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,215
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,731
−HK$523/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,321
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,727
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,372
−HK$655/mo
Today · 4.125%
HK$22,027
baseline
▲ 0.50% · 4.625%
HK$23,367
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,054/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,059
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$627/mo
Today · 4.125%
HK$24,304
baseline
▲ 0.50% · 4.625%
HK$25,585
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,608/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,182
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$764/mo
Today · 4.125%
HK$25,698
baseline
▲ 0.50% · 4.625%
HK$27,262
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,396/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,902
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,623
−HK$732/mo
Today · 4.125%
HK$28,355
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,710/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$982/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$2,011/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,588
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,515
−HK$942/mo
Today · 4.125%
HK$36,457
baseline
▲ 0.50% · 4.625%
HK$38,378
+HK$1,921/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,914/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,245 · 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).