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$17,169
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$543/mo
Today · 4.125%
HK$18,246
baseline
▲ 0.50% · 4.625%
HK$19,356
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,492/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,613
−HK$519/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,194
+HK$1,062/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,264/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,603
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,244
−HK$651/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,227
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,920
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$624/mo
Today · 4.125%
HK$24,159
baseline
▲ 0.50% · 4.625%
HK$25,432
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,318/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,037
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$760/mo
Today · 4.125%
HK$25,544
baseline
▲ 0.50% · 4.625%
HK$27,098
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,088/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$727/mo
Today · 4.125%
HK$28,185
baseline
▲ 0.50% · 4.625%
HK$29,671
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,370/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,866
−HK$976/mo
Today · 4.125%
HK$32,842
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,684/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,381
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$935/mo
Today · 4.125%
HK$36,238
baseline
▲ 0.50% · 4.625%
HK$38,148
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,476/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,883 · 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).