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$17,277
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,814
−HK$546/mo
Today · 4.125%
HK$18,360
baseline
▲ 0.50% · 4.625%
HK$19,478
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,720/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,220
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$523/mo
Today · 4.125%
HK$20,259
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,518/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,732
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,377
−HK$655/mo
Today · 4.125%
HK$22,032
baseline
▲ 0.50% · 4.625%
HK$23,373
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,064/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$628/mo
Today · 4.125%
HK$24,311
baseline
▲ 0.50% · 4.625%
HK$25,592
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,622/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,188
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,940
−HK$764/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,269
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,630
−HK$732/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$983/mo
Today · 4.125%
HK$33,049
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,098/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,597
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,525
−HK$941/mo
Today · 4.125%
HK$36,466
baseline
▲ 0.50% · 4.625%
HK$38,388
+HK$1,922/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,932/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,303 · 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).