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$17,287
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$547/mo
Today · 4.125%
HK$18,371
baseline
▲ 0.50% · 4.625%
HK$19,489
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,742/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,231
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,747
−HK$523/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,339
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,744
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,389
−HK$656/mo
Today · 4.125%
HK$22,045
baseline
▲ 0.50% · 4.625%
HK$23,386
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,090/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,078
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,697
−HK$627/mo
Today · 4.125%
HK$24,324
baseline
▲ 0.50% · 4.625%
HK$25,607
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,648/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,954
−HK$765/mo
Today · 4.125%
HK$25,719
baseline
▲ 0.50% · 4.625%
HK$27,284
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,438/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,924
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$732/mo
Today · 4.125%
HK$28,378
baseline
▲ 0.50% · 4.625%
HK$29,874
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,756/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,084
−HK$983/mo
Today · 4.125%
HK$33,067
baseline
▲ 0.50% · 4.625%
HK$35,079
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,134/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,616
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$942/mo
Today · 4.125%
HK$36,487
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,974/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,432 · 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).