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$17,301
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,839
−HK$547/mo
Today · 4.125%
HK$18,386
baseline
▲ 0.50% · 4.625%
HK$19,505
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,772/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,247
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$523/mo
Today · 4.125%
HK$20,287
baseline
▲ 0.50% · 4.625%
HK$21,357
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,574/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,761
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,407
−HK$656/mo
Today · 4.125%
HK$22,063
baseline
▲ 0.50% · 4.625%
HK$23,406
+HK$1,343/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,126/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,097
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$629/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,628
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$766/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$733/mo
Today · 4.125%
HK$28,402
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,804/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,142
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,111
−HK$984/mo
Today · 4.125%
HK$33,095
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,190/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,645
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,574
−HK$943/mo
Today · 4.125%
HK$36,517
baseline
▲ 0.50% · 4.625%
HK$38,442
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,034/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,622 · 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).