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$17,266
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$546/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$1,116/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,724
−HK$522/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,719
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,364
−HK$655/mo
Today · 4.125%
HK$22,019
baseline
▲ 0.50% · 4.625%
HK$23,358
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,038/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,050
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$627/mo
Today · 4.125%
HK$24,295
baseline
▲ 0.50% · 4.625%
HK$25,576
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,590/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$763/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,252
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,613
−HK$732/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$29,839
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,079
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,046
−HK$982/mo
Today · 4.125%
HK$33,028
baseline
▲ 0.50% · 4.625%
HK$35,038
+HK$2,010/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,056/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,575
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,502
−HK$941/mo
Today · 4.125%
HK$36,443
baseline
▲ 0.50% · 4.625%
HK$38,364
+HK$1,921/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,886/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,161 · 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).