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$17,266
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,803
−HK$545/mo
Today · 4.125%
HK$18,348
baseline
▲ 0.50% · 4.625%
HK$19,465
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,696/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,208
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,723
−HK$523/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,313
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,492/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,719
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,363
−HK$655/mo
Today · 4.125%
HK$22,018
baseline
▲ 0.50% · 4.625%
HK$23,358
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,036/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,050
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$627/mo
Today · 4.125%
HK$24,295
baseline
▲ 0.50% · 4.625%
HK$25,575
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,590/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$764/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,891
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$732/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$982/mo
Today · 4.125%
HK$33,027
baseline
▲ 0.50% · 4.625%
HK$35,037
+HK$2,010/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,054/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,574
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,502
−HK$940/mo
Today · 4.125%
HK$36,442
baseline
▲ 0.50% · 4.625%
HK$38,363
+HK$1,921/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,884/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,155 · 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).