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$17,162
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,696
−HK$542/mo
Today · 4.125%
HK$18,238
baseline
▲ 0.50% · 4.625%
HK$19,348
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,476/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$520/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,185
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,594
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,235
−HK$651/mo
Today · 4.125%
HK$21,886
baseline
▲ 0.50% · 4.625%
HK$23,217
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,772/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,911
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$624/mo
Today · 4.125%
HK$24,149
baseline
▲ 0.50% · 4.625%
HK$25,421
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,298/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,027
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,774
−HK$759/mo
Today · 4.125%
HK$25,533
baseline
▲ 0.50% · 4.625%
HK$27,087
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,066/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,446
−HK$727/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,658
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,891
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,852
−HK$976/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,998/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$935/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$1,909/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,788 · 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).