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$17,133
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,666
−HK$541/mo
Today · 4.125%
HK$18,207
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,414/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,060
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,572
−HK$518/mo
Today · 4.125%
HK$20,090
baseline
▲ 0.50% · 4.625%
HK$21,149
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,180/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,560
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,199
−HK$650/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,329/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,872
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,486
−HK$622/mo
Today · 4.125%
HK$24,108
baseline
▲ 0.50% · 4.625%
HK$25,379
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,216/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,986
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$758/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$27,042
+HK$1,552/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,400
−HK$726/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,609
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,840
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$974/mo
Today · 4.125%
HK$32,773
baseline
▲ 0.50% · 4.625%
HK$34,768
+HK$1,995/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,546/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,309
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$933/mo
Today · 4.125%
HK$36,162
baseline
▲ 0.50% · 4.625%
HK$38,068
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,324/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,411 · 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).