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$17,296
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$547/mo
Today · 4.125%
HK$18,381
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,762/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,758
−HK$524/mo
Today · 4.125%
HK$20,282
baseline
▲ 0.50% · 4.625%
HK$21,351
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,564/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,756
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,401
−HK$656/mo
Today · 4.125%
HK$22,057
baseline
▲ 0.50% · 4.625%
HK$23,399
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,114/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,090
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,710
−HK$628/mo
Today · 4.125%
HK$24,338
baseline
▲ 0.50% · 4.625%
HK$25,621
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,676/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,215
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$765/mo
Today · 4.125%
HK$25,733
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,466/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,939
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$733/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,134
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,102
−HK$984/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$35,099
+HK$2,013/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,636
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,565
−HK$942/mo
Today · 4.125%
HK$36,507
baseline
▲ 0.50% · 4.625%
HK$38,431
+HK$1,924/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,014/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,559 · 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).