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$17,156
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,689
−HK$542/mo
Today · 4.125%
HK$18,231
baseline
▲ 0.50% · 4.625%
HK$19,341
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,462/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,085
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,597
−HK$520/mo
Today · 4.125%
HK$20,117
baseline
▲ 0.50% · 4.625%
HK$21,177
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,234/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,587
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,227
−HK$651/mo
Today · 4.125%
HK$21,878
baseline
▲ 0.50% · 4.625%
HK$23,209
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,756/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,902
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,517
−HK$623/mo
Today · 4.125%
HK$24,140
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,280/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,018
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,765
−HK$759/mo
Today · 4.125%
HK$25,524
baseline
▲ 0.50% · 4.625%
HK$27,077
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,048/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,720
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$727/mo
Today · 4.125%
HK$28,163
baseline
▲ 0.50% · 4.625%
HK$29,648
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,326/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$975/mo
Today · 4.125%
HK$32,816
baseline
▲ 0.50% · 4.625%
HK$34,813
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,632/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,354
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$935/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,118
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,706 · 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).