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$17,149
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,683
−HK$542/mo
Today · 4.125%
HK$18,225
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,450/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,078
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,590
−HK$519/mo
Today · 4.125%
HK$20,109
baseline
▲ 0.50% · 4.625%
HK$21,169
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,218/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,579
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$650/mo
Today · 4.125%
HK$21,869
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,738/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$623/mo
Today · 4.125%
HK$24,131
baseline
▲ 0.50% · 4.625%
HK$25,403
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,262/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,009
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,756
−HK$758/mo
Today · 4.125%
HK$25,514
baseline
▲ 0.50% · 4.625%
HK$27,067
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,028/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,710
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$727/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,637
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,869
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,829
−HK$975/mo
Today · 4.125%
HK$32,804
baseline
▲ 0.50% · 4.625%
HK$34,800
+HK$1,996/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,608/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,341
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,262
−HK$934/mo
Today · 4.125%
HK$36,196
baseline
▲ 0.50% · 4.625%
HK$38,104
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,392/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,622 · 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).