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$17,274
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$546/mo
Today · 4.125%
HK$18,357
baseline
▲ 0.50% · 4.625%
HK$19,474
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,714/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,217
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$523/mo
Today · 4.125%
HK$20,255
baseline
▲ 0.50% · 4.625%
HK$21,323
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,510/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,729
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,374
−HK$655/mo
Today · 4.125%
HK$22,029
baseline
▲ 0.50% · 4.625%
HK$23,369
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,058/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,061
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$627/mo
Today · 4.125%
HK$24,306
baseline
▲ 0.50% · 4.625%
HK$25,588
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,612/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$764/mo
Today · 4.125%
HK$25,700
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,400/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,904
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$732/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$29,852
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,093
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,060
−HK$983/mo
Today · 4.125%
HK$33,043
baseline
▲ 0.50% · 4.625%
HK$35,054
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,086/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,591
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,518
−HK$942/mo
Today · 4.125%
HK$36,460
baseline
▲ 0.50% · 4.625%
HK$38,381
+HK$1,921/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,920/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,264 · 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).