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$17,138
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,671
−HK$542/mo
Today · 4.125%
HK$18,213
baseline
▲ 0.50% · 4.625%
HK$19,321
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,426/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,066
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$519/mo
Today · 4.125%
HK$20,096
baseline
▲ 0.50% · 4.625%
HK$21,155
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,192/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,566
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,206
−HK$650/mo
Today · 4.125%
HK$21,856
baseline
▲ 0.50% · 4.625%
HK$23,185
+HK$1,329/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,712/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$622/mo
Today · 4.125%
HK$24,115
baseline
▲ 0.50% · 4.625%
HK$25,387
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,230/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,994
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,740
−HK$758/mo
Today · 4.125%
HK$25,498
baseline
▲ 0.50% · 4.625%
HK$27,050
+HK$1,552/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,996/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,693
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$727/mo
Today · 4.125%
HK$28,135
baseline
▲ 0.50% · 4.625%
HK$29,618
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,270/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,849
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,808
−HK$975/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,995/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,239
−HK$934/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,080
+HK$1,907/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,478 · 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).