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$17,269
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,807
−HK$545/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,469
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$523/mo
Today · 4.125%
HK$20,250
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,500/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,723
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,368
−HK$655/mo
Today · 4.125%
HK$22,023
baseline
▲ 0.50% · 4.625%
HK$23,363
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,046/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,054
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,673
−HK$627/mo
Today · 4.125%
HK$24,300
baseline
▲ 0.50% · 4.625%
HK$25,581
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,600/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,177
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$764/mo
Today · 4.125%
HK$25,693
baseline
▲ 0.50% · 4.625%
HK$27,257
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,386/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,897
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$732/mo
Today · 4.125%
HK$28,350
baseline
▲ 0.50% · 4.625%
HK$29,844
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,700/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,085
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,052
−HK$982/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$35,044
+HK$2,010/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,582
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,509
−HK$941/mo
Today · 4.125%
HK$36,450
baseline
▲ 0.50% · 4.625%
HK$38,371
+HK$1,921/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,900/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,203 · 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).