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$17,288
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$546/mo
Today · 4.125%
HK$18,372
baseline
▲ 0.50% · 4.625%
HK$19,490
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,744/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,233
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,749
−HK$523/mo
Today · 4.125%
HK$20,272
baseline
▲ 0.50% · 4.625%
HK$21,341
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,544/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,746
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,391
−HK$656/mo
Today · 4.125%
HK$22,047
baseline
▲ 0.50% · 4.625%
HK$23,388
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,094/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,080
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,699
−HK$628/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,609
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,654/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,204
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$764/mo
Today · 4.125%
HK$25,721
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,566/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,442/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,926
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,648
−HK$733/mo
Today · 4.125%
HK$28,381
baseline
▲ 0.50% · 4.625%
HK$29,877
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,762/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,119
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,087
−HK$983/mo
Today · 4.125%
HK$33,070
baseline
▲ 0.50% · 4.625%
HK$35,083
+HK$2,013/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,140/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,620
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,548
−HK$942/mo
Today · 4.125%
HK$36,490
baseline
▲ 0.50% · 4.625%
HK$38,413
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,980/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,453 · 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).