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$17,167
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,701
−HK$542/mo
Today · 4.125%
HK$18,243
baseline
▲ 0.50% · 4.625%
HK$19,353
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,486/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,098
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,610
−HK$520/mo
Today · 4.125%
HK$20,130
baseline
▲ 0.50% · 4.625%
HK$21,191
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,260/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,600
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,241
−HK$651/mo
Today · 4.125%
HK$21,892
baseline
▲ 0.50% · 4.625%
HK$23,224
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,784/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,918
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,532
−HK$624/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,429
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,034
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,781
−HK$760/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$27,095
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,737
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,454
−HK$728/mo
Today · 4.125%
HK$28,182
baseline
▲ 0.50% · 4.625%
HK$29,667
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,364/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,900
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$976/mo
Today · 4.125%
HK$32,838
baseline
▲ 0.50% · 4.625%
HK$34,836
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,676/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,376
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,298
−HK$936/mo
Today · 4.125%
HK$36,234
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$1,909/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,468/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,855 · 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).