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$17,281
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$546/mo
Today · 4.125%
HK$18,365
baseline
▲ 0.50% · 4.625%
HK$19,482
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,730/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,225
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,741
−HK$523/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,332
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,737
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,382
−HK$656/mo
Today · 4.125%
HK$22,038
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,076/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,689
−HK$627/mo
Today · 4.125%
HK$24,316
baseline
▲ 0.50% · 4.625%
HK$25,598
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,632/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,194
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,946
−HK$765/mo
Today · 4.125%
HK$25,711
baseline
▲ 0.50% · 4.625%
HK$27,275
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,422/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,637
−HK$732/mo
Today · 4.125%
HK$28,369
baseline
▲ 0.50% · 4.625%
HK$29,865
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,738/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,106
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,074
−HK$983/mo
Today · 4.125%
HK$33,057
baseline
▲ 0.50% · 4.625%
HK$35,068
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,114/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,605
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,533
−HK$942/mo
Today · 4.125%
HK$36,475
baseline
▲ 0.50% · 4.625%
HK$38,397
+HK$1,922/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,950/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,358 · 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).