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$17,273
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$545/mo
Today · 4.125%
HK$18,356
baseline
▲ 0.50% · 4.625%
HK$19,473
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,712/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,732
−HK$522/mo
Today · 4.125%
HK$20,254
baseline
▲ 0.50% · 4.625%
HK$21,322
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,508/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,728
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,373
−HK$655/mo
Today · 4.125%
HK$22,028
baseline
▲ 0.50% · 4.625%
HK$23,368
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,056/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,060
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,678
−HK$627/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,587
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,183
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$764/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,903
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,624
−HK$732/mo
Today · 4.125%
HK$28,356
baseline
▲ 0.50% · 4.625%
HK$29,851
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,712/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,092
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$983/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$35,052
+HK$2,010/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,589
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$941/mo
Today · 4.125%
HK$36,458
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$1,922/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,916/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,254 · 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).