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$17,155
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,688
−HK$542/mo
Today · 4.125%
HK$18,230
baseline
▲ 0.50% · 4.625%
HK$19,340
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,460/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,084
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,596
−HK$519/mo
Today · 4.125%
HK$20,115
baseline
▲ 0.50% · 4.625%
HK$21,176
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,230/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,586
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$650/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,208
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,515
−HK$623/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,411
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,016
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,764
−HK$759/mo
Today · 4.125%
HK$25,523
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,046/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,718
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$727/mo
Today · 4.125%
HK$28,162
baseline
▲ 0.50% · 4.625%
HK$29,646
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,324/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,878
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$976/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,811
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,273
−HK$935/mo
Today · 4.125%
HK$36,208
baseline
▲ 0.50% · 4.625%
HK$38,116
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,416/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,694 · 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).