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$17,295
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$546/mo
Today · 4.125%
HK$18,379
baseline
▲ 0.50% · 4.625%
HK$19,498
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,758/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,240
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,756
−HK$524/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,754
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,399
−HK$656/mo
Today · 4.125%
HK$22,055
baseline
▲ 0.50% · 4.625%
HK$23,397
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,110/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,088
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,707
−HK$629/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,618
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$765/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$732/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$29,888
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,130
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$984/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$2,013/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,632
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,561
−HK$942/mo
Today · 4.125%
HK$36,503
baseline
▲ 0.50% · 4.625%
HK$38,427
+HK$1,924/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$73,006/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,536 · 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).