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$17,680
−HK$541/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$225,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,587
−HK$519/mo
Today · 4.125%
HK$20,106
baseline
▲ 0.50% · 4.625%
HK$21,165
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,212/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,575
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$651/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,196
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,732/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$623/mo
Today · 4.125%
HK$24,127
baseline
▲ 0.50% · 4.625%
HK$25,398
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,254/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,005
−HK$1,505/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$225,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$727/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,483/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$976/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,995/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$934/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,098
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,583 · 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).