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$17,172
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$542/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,103
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$519/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,606
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,247
−HK$651/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,924
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$623/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,436
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,040
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$760/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$27,102
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$727/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,675
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,870
−HK$977/mo
Today · 4.125%
HK$32,847
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,694/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$935/mo
Today · 4.125%
HK$36,243
baseline
▲ 0.50% · 4.625%
HK$38,154
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,486/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,916 · 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).