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$17,298
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$546/mo
Today · 4.125%
HK$18,383
baseline
▲ 0.50% · 4.625%
HK$19,502
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,766/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,244
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,761
−HK$523/mo
Today · 4.125%
HK$20,284
baseline
▲ 0.50% · 4.625%
HK$21,353
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,568/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,758
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,404
−HK$656/mo
Today · 4.125%
HK$22,060
baseline
▲ 0.50% · 4.625%
HK$23,402
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,120/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$628/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,624
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,218
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$766/mo
Today · 4.125%
HK$25,737
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,474/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,942
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$733/mo
Today · 4.125%
HK$28,398
baseline
▲ 0.50% · 4.625%
HK$29,895
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,796/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,137
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$984/mo
Today · 4.125%
HK$33,090
baseline
▲ 0.50% · 4.625%
HK$35,103
+HK$2,013/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,180/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,640
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$942/mo
Today · 4.125%
HK$36,511
baseline
▲ 0.50% · 4.625%
HK$38,436
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,022/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,586 · 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).