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$17,170
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,704
−HK$543/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,357
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$520/mo
Today · 4.125%
HK$20,134
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,061/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,268/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,604
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,245
−HK$652/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,229
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,922
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$624/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,434
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,039
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$760/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,743
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$727/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$977/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,843
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,383
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,305
−HK$936/mo
Today · 4.125%
HK$36,241
baseline
▲ 0.50% · 4.625%
HK$38,151
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,482/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,901 · 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).