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$17,178
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,712
−HK$543/mo
Today · 4.125%
HK$18,255
baseline
▲ 0.50% · 4.625%
HK$19,366
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,510/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,110
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,623
−HK$520/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,205
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,614
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$651/mo
Today · 4.125%
HK$21,906
baseline
▲ 0.50% · 4.625%
HK$23,239
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,812/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,933
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,548
−HK$624/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,049
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,797
−HK$760/mo
Today · 4.125%
HK$25,557
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,114/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,755
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,472
−HK$728/mo
Today · 4.125%
HK$28,200
baseline
▲ 0.50% · 4.625%
HK$29,687
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,400/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,921
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,882
−HK$978/mo
Today · 4.125%
HK$32,860
baseline
▲ 0.50% · 4.625%
HK$34,859
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,720/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$226,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,399
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$936/mo
Today · 4.125%
HK$36,257
baseline
▲ 0.50% · 4.625%
HK$38,168
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,514/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$226,003 · 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).