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$17,300
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,839
−HK$546/mo
Today · 4.125%
HK$18,385
baseline
▲ 0.50% · 4.625%
HK$19,504
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,770/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,247
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,763
−HK$523/mo
Today · 4.125%
HK$20,286
baseline
▲ 0.50% · 4.625%
HK$21,356
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,572/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,761
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,406
−HK$656/mo
Today · 4.125%
HK$22,062
baseline
▲ 0.50% · 4.625%
HK$23,405
+HK$1,343/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,124/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,096
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$629/mo
Today · 4.125%
HK$24,344
baseline
▲ 0.50% · 4.625%
HK$25,627
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,688/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,221
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$766/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,306
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,945
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,668
−HK$733/mo
Today · 4.125%
HK$28,401
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,802/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,110
−HK$984/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$2,013/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,644
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$943/mo
Today · 4.125%
HK$36,516
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$1,924/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,032/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,613 · 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).