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$17,145
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,679
−HK$542/mo
Today · 4.125%
HK$18,221
baseline
▲ 0.50% · 4.625%
HK$19,329
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,442/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,074
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,586
−HK$519/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,164
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,574
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,214
−HK$651/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$622/mo
Today · 4.125%
HK$24,125
baseline
▲ 0.50% · 4.625%
HK$25,397
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,250/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,004
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,750
−HK$759/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$27,061
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,704
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,420
−HK$726/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,862
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,822
−HK$975/mo
Today · 4.125%
HK$32,797
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,594/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,333
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,254
−HK$934/mo
Today · 4.125%
HK$36,188
baseline
▲ 0.50% · 4.625%
HK$38,096
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,376/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,572 · 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).