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$17,289
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,827
−HK$546/mo
Today · 4.125%
HK$18,373
baseline
▲ 0.50% · 4.625%
HK$19,491
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,746/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,234
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,750
−HK$523/mo
Today · 4.125%
HK$20,273
baseline
▲ 0.50% · 4.625%
HK$21,342
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,546/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,747
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,392
−HK$656/mo
Today · 4.125%
HK$22,048
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,096/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,081
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$628/mo
Today · 4.125%
HK$24,328
baseline
▲ 0.50% · 4.625%
HK$25,610
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,656/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,205
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$765/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,288
+HK$1,566/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$732/mo
Today · 4.125%
HK$28,382
baseline
▲ 0.50% · 4.625%
HK$29,878
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,764/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,120
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$984/mo
Today · 4.125%
HK$33,072
baseline
▲ 0.50% · 4.625%
HK$35,084
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,144/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,549
−HK$942/mo
Today · 4.125%
HK$36,491
baseline
▲ 0.50% · 4.625%
HK$38,415
+HK$1,924/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,982/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,462 · 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).