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$1,084/mo
▼ 0.25% · 3.875%
HK$17,809
−HK$546/mo
Today · 4.125%
HK$18,355
baseline
▲ 0.50% · 4.625%
HK$19,471
+HK$1,116/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,710/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,214
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,730
−HK$522/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,320
+HK$1,068/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$227,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,726
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,370
−HK$655/mo
Today · 4.125%
HK$22,025
baseline
▲ 0.50% · 4.625%
HK$23,366
+HK$1,341/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$227,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$627/mo
Today · 4.125%
HK$24,303
baseline
▲ 0.50% · 4.625%
HK$25,584
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,606/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,180
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$764/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,900
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$732/mo
Today · 4.125%
HK$28,353
baseline
▲ 0.50% · 4.625%
HK$29,848
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,706/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$982/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$35,048
+HK$2,010/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,586
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$941/mo
Today · 4.125%
HK$36,454
baseline
▲ 0.50% · 4.625%
HK$38,376
+HK$1,922/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,908/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,231 · 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).