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$17,159
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,692
−HK$543/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,344
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,470/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,089
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,601
−HK$519/mo
Today · 4.125%
HK$20,120
baseline
▲ 0.50% · 4.625%
HK$21,181
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,240/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,590
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$650/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,521
−HK$623/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,022
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,769
−HK$759/mo
Today · 4.125%
HK$25,528
baseline
▲ 0.50% · 4.625%
HK$27,082
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,056/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,724
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$727/mo
Today · 4.125%
HK$28,168
baseline
▲ 0.50% · 4.625%
HK$29,653
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,336/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,885
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,846
−HK$976/mo
Today · 4.125%
HK$32,822
baseline
▲ 0.50% · 4.625%
HK$34,819
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,644/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,281
−HK$935/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,125
+HK$1,909/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,745 · 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).