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$17,275
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$545/mo
Today · 4.125%
HK$18,358
baseline
▲ 0.50% · 4.625%
HK$19,476
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,716/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,734
−HK$523/mo
Today · 4.125%
HK$20,257
baseline
▲ 0.50% · 4.625%
HK$21,324
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,514/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,730
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,375
−HK$655/mo
Today · 4.125%
HK$22,030
baseline
▲ 0.50% · 4.625%
HK$23,371
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,060/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,681
−HK$627/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,589
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,185
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$764/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,266
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,627
−HK$732/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,095
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,063
−HK$982/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$35,056
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,593
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,521
−HK$941/mo
Today · 4.125%
HK$36,462
baseline
▲ 0.50% · 4.625%
HK$38,384
+HK$1,922/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,924/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,279 · 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).