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$17,143
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,676
−HK$542/mo
Today · 4.125%
HK$18,218
baseline
▲ 0.50% · 4.625%
HK$19,326
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,436/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,071
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,583
−HK$519/mo
Today · 4.125%
HK$20,102
baseline
▲ 0.50% · 4.625%
HK$21,161
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,204/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,571
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,211
−HK$650/mo
Today · 4.125%
HK$21,861
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,722/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,885
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,499
−HK$623/mo
Today · 4.125%
HK$24,122
baseline
▲ 0.50% · 4.625%
HK$25,393
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,244/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,000
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,746
−HK$759/mo
Today · 4.125%
HK$25,505
baseline
▲ 0.50% · 4.625%
HK$27,057
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,010/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,416
−HK$726/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,626
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,857
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,817
−HK$975/mo
Today · 4.125%
HK$32,792
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,995/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,584/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,328
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,249
−HK$934/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,090
+HK$1,907/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,538 · 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).