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$17,267
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$545/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,466
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,209
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$523/mo
Today · 4.125%
HK$20,247
baseline
▲ 0.50% · 4.625%
HK$21,314
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,494/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,720
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$655/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,359
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,051
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$627/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,577
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$764/mo
Today · 4.125%
HK$25,689
baseline
▲ 0.50% · 4.625%
HK$27,252
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,378/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$731/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$29,839
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,080
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,046
−HK$983/mo
Today · 4.125%
HK$33,029
baseline
▲ 0.50% · 4.625%
HK$35,038
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,058/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,576
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,503
−HK$941/mo
Today · 4.125%
HK$36,444
baseline
▲ 0.50% · 4.625%
HK$38,365
+HK$1,921/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,888/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,166 · 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).