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$17,145
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,678
−HK$542/mo
Today · 4.125%
HK$18,220
baseline
▲ 0.50% · 4.625%
HK$19,328
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,440/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,073
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,585
−HK$519/mo
Today · 4.125%
HK$20,104
baseline
▲ 0.50% · 4.625%
HK$21,163
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,208/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,573
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,213
−HK$651/mo
Today · 4.125%
HK$21,864
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,728/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,888
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,502
−HK$622/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,002
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$758/mo
Today · 4.125%
HK$25,507
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,014/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,702
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$727/mo
Today · 4.125%
HK$28,145
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,290/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,860
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,820
−HK$975/mo
Today · 4.125%
HK$32,795
baseline
▲ 0.50% · 4.625%
HK$34,791
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,590/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,332
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,252
−HK$934/mo
Today · 4.125%
HK$36,186
baseline
▲ 0.50% · 4.625%
HK$38,094
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,372/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,561 · 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).