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$17,132
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,665
−HK$542/mo
Today · 4.125%
HK$18,207
baseline
▲ 0.50% · 4.625%
HK$19,315
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,414/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,060
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$518/mo
Today · 4.125%
HK$20,089
baseline
▲ 0.50% · 4.625%
HK$21,148
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,178/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,559
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,198
−HK$650/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$23,178
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,872
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$622/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,985
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,732
−HK$758/mo
Today · 4.125%
HK$25,490
baseline
▲ 0.50% · 4.625%
HK$27,041
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,980/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,684
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$726/mo
Today · 4.125%
HK$28,125
baseline
▲ 0.50% · 4.625%
HK$29,608
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,250/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,838
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,798
−HK$974/mo
Today · 4.125%
HK$32,772
baseline
▲ 0.50% · 4.625%
HK$34,766
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,544/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,307
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$933/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,067
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,403 · 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).