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$17,159
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,693
−HK$542/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,345
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,470/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,090
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,602
−HK$519/mo
Today · 4.125%
HK$20,121
baseline
▲ 0.50% · 4.625%
HK$21,182
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,242/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,591
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,232
−HK$651/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,214
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,908
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,522
−HK$623/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,418
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,023
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,770
−HK$760/mo
Today · 4.125%
HK$25,530
baseline
▲ 0.50% · 4.625%
HK$27,083
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,060/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,726
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,442
−HK$727/mo
Today · 4.125%
HK$28,169
baseline
▲ 0.50% · 4.625%
HK$29,654
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,338/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,887
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,848
−HK$976/mo
Today · 4.125%
HK$32,824
baseline
▲ 0.50% · 4.625%
HK$34,821
+HK$1,997/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,648/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,361
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,283
−HK$935/mo
Today · 4.125%
HK$36,218
baseline
▲ 0.50% · 4.625%
HK$38,127
+HK$1,909/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,436/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,757 · 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).