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$17,287
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,825
−HK$546/mo
Today · 4.125%
HK$18,371
baseline
▲ 0.50% · 4.625%
HK$19,489
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,742/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,232
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,748
−HK$523/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,339
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,745
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,390
−HK$656/mo
Today · 4.125%
HK$22,046
baseline
▲ 0.50% · 4.625%
HK$23,387
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,092/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,078
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$628/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,202
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,955
−HK$765/mo
Today · 4.125%
HK$25,720
baseline
▲ 0.50% · 4.625%
HK$27,285
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,440/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,925
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$732/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,117
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,085
−HK$983/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$35,081
+HK$2,013/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,546
−HK$942/mo
Today · 4.125%
HK$36,488
baseline
▲ 0.50% · 4.625%
HK$38,411
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,976/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,439 · 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).