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$17,157
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$542/mo
Today · 4.125%
HK$18,233
baseline
▲ 0.50% · 4.625%
HK$19,342
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,466/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,087
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$519/mo
Today · 4.125%
HK$20,118
baseline
▲ 0.50% · 4.625%
HK$21,179
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,236/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,588
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$650/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,211
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$623/mo
Today · 4.125%
HK$24,142
baseline
▲ 0.50% · 4.625%
HK$25,414
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,284/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$759/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$27,079
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,722
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$727/mo
Today · 4.125%
HK$28,165
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,330/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,883
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$976/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,357
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$935/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,122
+HK$1,909/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,725 · 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).