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$17,298
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,836
−HK$546/mo
Today · 4.125%
HK$18,382
baseline
▲ 0.50% · 4.625%
HK$19,501
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,764/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,243
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,760
−HK$523/mo
Today · 4.125%
HK$20,283
baseline
▲ 0.50% · 4.625%
HK$21,352
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,566/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,757
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,403
−HK$656/mo
Today · 4.125%
HK$22,059
baseline
▲ 0.50% · 4.625%
HK$23,401
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,118/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,092
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$629/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,623
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,217
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,970
−HK$765/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,301
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,941
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$733/mo
Today · 4.125%
HK$28,396
baseline
▲ 0.50% · 4.625%
HK$29,893
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,792/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,136
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,104
−HK$984/mo
Today · 4.125%
HK$33,088
baseline
▲ 0.50% · 4.625%
HK$35,102
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,176/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,638
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,567
−HK$943/mo
Today · 4.125%
HK$36,510
baseline
▲ 0.50% · 4.625%
HK$38,434
+HK$1,924/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,020/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,575 · 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).