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$17,271
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,808
−HK$546/mo
Today · 4.125%
HK$18,354
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,708/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,729
−HK$523/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,319
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,725
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$655/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,365
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,050/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,056
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,675
−HK$627/mo
Today · 4.125%
HK$24,302
baseline
▲ 0.50% · 4.625%
HK$25,583
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,604/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$764/mo
Today · 4.125%
HK$25,695
baseline
▲ 0.50% · 4.625%
HK$27,259
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,390/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,899
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$731/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$29,847
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,088
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$982/mo
Today · 4.125%
HK$33,037
baseline
▲ 0.50% · 4.625%
HK$35,047
+HK$2,010/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,074/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,585
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$941/mo
Today · 4.125%
HK$36,453
baseline
▲ 0.50% · 4.625%
HK$38,375
+HK$1,922/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,906/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,223 · 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).