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$17,165
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,699
−HK$542/mo
Today · 4.125%
HK$18,241
baseline
▲ 0.50% · 4.625%
HK$19,351
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,482/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,096
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,608
−HK$520/mo
Today · 4.125%
HK$20,128
baseline
▲ 0.50% · 4.625%
HK$21,189
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,256/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,598
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,239
−HK$651/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,222
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,915
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,530
−HK$623/mo
Today · 4.125%
HK$24,153
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,306/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,031
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,778
−HK$760/mo
Today · 4.125%
HK$25,538
baseline
▲ 0.50% · 4.625%
HK$27,092
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,076/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,734
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,451
−HK$728/mo
Today · 4.125%
HK$28,179
baseline
▲ 0.50% · 4.625%
HK$29,664
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,358/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$976/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,832
+HK$1,998/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,373
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$936/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$1,909/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,830 · 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).