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$17,157
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,691
−HK$542/mo
Today · 4.125%
HK$18,233
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,466/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$520/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,179
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,589
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$651/mo
Today · 4.125%
HK$21,880
baseline
▲ 0.50% · 4.625%
HK$23,211
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,760/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,905
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$624/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,415
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,020
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$759/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$27,080
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,439
−HK$727/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,883
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,844
−HK$976/mo
Today · 4.125%
HK$32,820
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,640/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,358
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$935/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$1,909/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,428/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,732 · 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).