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$17,166
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,700
−HK$543/mo
Today · 4.125%
HK$18,243
baseline
▲ 0.50% · 4.625%
HK$19,353
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,486/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,097
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,610
−HK$519/mo
Today · 4.125%
HK$20,129
baseline
▲ 0.50% · 4.625%
HK$21,190
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,258/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,600
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,240
−HK$651/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,223
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,917
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,532
−HK$623/mo
Today · 4.125%
HK$24,155
baseline
▲ 0.50% · 4.625%
HK$25,428
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,310/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,033
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$760/mo
Today · 4.125%
HK$25,540
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,080/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$728/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,899
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$976/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,835
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,375
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,297
−HK$936/mo
Today · 4.125%
HK$36,233
baseline
▲ 0.50% · 4.625%
HK$38,142
+HK$1,909/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,466/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,848 · 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).