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$17,291
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,829
−HK$546/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,493
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,236
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,752
−HK$523/mo
Today · 4.125%
HK$20,275
baseline
▲ 0.50% · 4.625%
HK$21,344
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,550/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,749
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,394
−HK$656/mo
Today · 4.125%
HK$22,050
baseline
▲ 0.50% · 4.625%
HK$23,392
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,100/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,083
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,702
−HK$628/mo
Today · 4.125%
HK$24,330
baseline
▲ 0.50% · 4.625%
HK$25,612
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,660/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$765/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,930
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$733/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,123
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,091
−HK$984/mo
Today · 4.125%
HK$33,075
baseline
▲ 0.50% · 4.625%
HK$35,087
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,150/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,624
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,553
−HK$942/mo
Today · 4.125%
HK$36,495
baseline
▲ 0.50% · 4.625%
HK$38,419
+HK$1,924/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,990/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,484 · 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).