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$17,290
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,828
−HK$547/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,235
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,751
−HK$524/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,343
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,748
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$656/mo
Today · 4.125%
HK$22,050
baseline
▲ 0.50% · 4.625%
HK$23,391
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,100/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,082
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$628/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,206
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$765/mo
Today · 4.125%
HK$25,724
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,566/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,448/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,929
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$732/mo
Today · 4.125%
HK$28,384
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,497/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,768/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,123
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$983/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$35,087
+HK$2,013/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,624
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,552
−HK$942/mo
Today · 4.125%
HK$36,494
baseline
▲ 0.50% · 4.625%
HK$38,418
+HK$1,924/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,988/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,479 · 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).