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$17,156
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,690
−HK$542/mo
Today · 4.125%
HK$18,232
baseline
▲ 0.50% · 4.625%
HK$19,341
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,464/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,086
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$519/mo
Today · 4.125%
HK$20,117
baseline
▲ 0.50% · 4.625%
HK$21,178
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,234/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,587
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,228
−HK$650/mo
Today · 4.125%
HK$21,878
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,756/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,903
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$623/mo
Today · 4.125%
HK$24,141
baseline
▲ 0.50% · 4.625%
HK$25,413
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,282/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,019
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,766
−HK$759/mo
Today · 4.125%
HK$25,525
baseline
▲ 0.50% · 4.625%
HK$27,078
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,050/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,720
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,437
−HK$727/mo
Today · 4.125%
HK$28,164
baseline
▲ 0.50% · 4.625%
HK$29,649
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,328/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,881
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,842
−HK$976/mo
Today · 4.125%
HK$32,818
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,636/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,276
−HK$935/mo
Today · 4.125%
HK$36,211
baseline
▲ 0.50% · 4.625%
HK$38,120
+HK$1,909/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,422/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,714 · 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).