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$17,262
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,799
−HK$545/mo
Today · 4.125%
HK$18,344
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$1,116/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,688/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,204
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,719
−HK$522/mo
Today · 4.125%
HK$20,241
baseline
▲ 0.50% · 4.625%
HK$21,308
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,482/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,714
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$655/mo
Today · 4.125%
HK$22,013
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,026/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,044
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,662
−HK$627/mo
Today · 4.125%
HK$24,289
baseline
▲ 0.50% · 4.625%
HK$25,570
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,578/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$764/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,606
−HK$731/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,071
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,038
−HK$982/mo
Today · 4.125%
HK$33,020
baseline
▲ 0.50% · 4.625%
HK$35,029
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,040/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,566
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,493
−HK$941/mo
Today · 4.125%
HK$36,434
baseline
▲ 0.50% · 4.625%
HK$38,354
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,868/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,103 · 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).