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$17,306
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$547/mo
Today · 4.125%
HK$18,391
baseline
▲ 0.50% · 4.625%
HK$19,510
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,782/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,252
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$19,769
−HK$524/mo
Today · 4.125%
HK$20,293
baseline
▲ 0.50% · 4.625%
HK$21,362
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,586/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,767
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,413
−HK$656/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,412
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$628/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,635
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,982
−HK$765/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,314
+HK$1,567/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$734/mo
Today · 4.125%
HK$28,410
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,820/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,119
−HK$985/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$35,118
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,654
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$943/mo
Today · 4.125%
HK$36,527
baseline
▲ 0.50% · 4.625%
HK$38,452
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,054/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,681 · 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).