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$17,160
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,694
−HK$543/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,091
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,603
−HK$519/mo
Today · 4.125%
HK$20,122
baseline
▲ 0.50% · 4.625%
HK$21,183
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,244/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,593
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,233
−HK$651/mo
Today · 4.125%
HK$21,884
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,768/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,909
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$624/mo
Today · 4.125%
HK$24,147
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,294/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,025
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$759/mo
Today · 4.125%
HK$25,531
baseline
▲ 0.50% · 4.625%
HK$27,085
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,062/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$727/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,656
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,889
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,850
−HK$976/mo
Today · 4.125%
HK$32,826
baseline
▲ 0.50% · 4.625%
HK$34,823
+HK$1,997/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,652/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,285
−HK$935/mo
Today · 4.125%
HK$36,220
baseline
▲ 0.50% · 4.625%
HK$38,129
+HK$1,909/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,440/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,770 · 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).