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$17,280
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,818
−HK$546/mo
Today · 4.125%
HK$18,364
baseline
▲ 0.50% · 4.625%
HK$19,481
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,728/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,224
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$523/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,330
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,736
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,381
−HK$655/mo
Today · 4.125%
HK$22,036
baseline
▲ 0.50% · 4.625%
HK$23,377
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,072/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,069
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,687
−HK$628/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,597
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$764/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$732/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$29,863
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,104
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,072
−HK$982/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$35,066
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,603
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$941/mo
Today · 4.125%
HK$36,472
baseline
▲ 0.50% · 4.625%
HK$38,395
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,944/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,343 · 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).