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$17,159
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,693
−HK$542/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,344
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,470/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,089
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,601
−HK$519/mo
Today · 4.125%
HK$20,120
baseline
▲ 0.50% · 4.625%
HK$21,181
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,240/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,591
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$651/mo
Today · 4.125%
HK$21,882
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,764/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,907
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,521
−HK$623/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,022
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$759/mo
Today · 4.125%
HK$25,529
baseline
▲ 0.50% · 4.625%
HK$27,082
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,058/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,725
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,441
−HK$728/mo
Today · 4.125%
HK$28,169
baseline
▲ 0.50% · 4.625%
HK$29,653
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,338/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,886
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,847
−HK$976/mo
Today · 4.125%
HK$32,823
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,646/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$935/mo
Today · 4.125%
HK$36,217
baseline
▲ 0.50% · 4.625%
HK$38,126
+HK$1,909/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,434/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,750 · 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).