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$17,168
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,703
−HK$542/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$520/mo
Today · 4.125%
HK$20,132
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,061/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$225,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,602
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$651/mo
Today · 4.125%
HK$21,894
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,788/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,920
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$624/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,036
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$759/mo
Today · 4.125%
HK$25,543
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,086/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,740
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$727/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,865
−HK$976/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,380
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,302
−HK$935/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,876 · 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).