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$17,148
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,682
−HK$541/mo
Today · 4.125%
HK$18,223
baseline
▲ 0.50% · 4.625%
HK$19,332
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,446/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,077
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,589
−HK$519/mo
Today · 4.125%
HK$20,108
baseline
▲ 0.50% · 4.625%
HK$21,168
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,216/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,578
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$650/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,893
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$622/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,007
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,754
−HK$759/mo
Today · 4.125%
HK$25,513
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,026/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,708
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$727/mo
Today · 4.125%
HK$28,151
baseline
▲ 0.50% · 4.625%
HK$29,635
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,302/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,867
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,827
−HK$975/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,339
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,260
−HK$934/mo
Today · 4.125%
HK$36,194
baseline
▲ 0.50% · 4.625%
HK$38,102
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,388/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,608 · 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).