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$17,270
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,807
−HK$546/mo
Today · 4.125%
HK$18,353
baseline
▲ 0.50% · 4.625%
HK$19,470
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,706/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,213
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$523/mo
Today · 4.125%
HK$20,251
baseline
▲ 0.50% · 4.625%
HK$21,318
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,502/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,724
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,369
−HK$655/mo
Today · 4.125%
HK$22,024
baseline
▲ 0.50% · 4.625%
HK$23,364
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,048/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,674
−HK$627/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,582
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,178
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,930
−HK$764/mo
Today · 4.125%
HK$25,694
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,388/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,898
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$732/mo
Today · 4.125%
HK$28,351
baseline
▲ 0.50% · 4.625%
HK$29,846
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,702/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$983/mo
Today · 4.125%
HK$33,036
baseline
▲ 0.50% · 4.625%
HK$35,046
+HK$2,010/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,072/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,583
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,511
−HK$940/mo
Today · 4.125%
HK$36,451
baseline
▲ 0.50% · 4.625%
HK$38,373
+HK$1,922/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,902/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,213 · 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).