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$17,172
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$543/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,103
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$520/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,061/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,247
−HK$651/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,924
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$624/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,436
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,041
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$760/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$27,103
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$728/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$977/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$936/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,488/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,920 · 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).