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$17,163
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,697
−HK$542/mo
Today · 4.125%
HK$18,239
baseline
▲ 0.50% · 4.625%
HK$19,349
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,478/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,093
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$520/mo
Today · 4.125%
HK$20,125
baseline
▲ 0.50% · 4.625%
HK$21,186
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,250/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,595
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$651/mo
Today · 4.125%
HK$21,887
baseline
▲ 0.50% · 4.625%
HK$23,219
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,774/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,912
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,527
−HK$623/mo
Today · 4.125%
HK$24,150
baseline
▲ 0.50% · 4.625%
HK$25,423
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,300/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,028
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,775
−HK$760/mo
Today · 4.125%
HK$25,535
baseline
▲ 0.50% · 4.625%
HK$27,088
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,070/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,731
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,448
−HK$727/mo
Today · 4.125%
HK$28,175
baseline
▲ 0.50% · 4.625%
HK$29,660
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,350/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,893
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,854
−HK$976/mo
Today · 4.125%
HK$32,830
baseline
▲ 0.50% · 4.625%
HK$34,828
+HK$1,998/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,660/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,368
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,290
−HK$935/mo
Today · 4.125%
HK$36,225
baseline
▲ 0.50% · 4.625%
HK$38,134
+HK$1,909/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,450/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,800 · 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).