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$17,305
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$546/mo
Today · 4.125%
HK$18,390
baseline
▲ 0.50% · 4.625%
HK$19,509
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,780/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,252
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$524/mo
Today · 4.125%
HK$20,292
baseline
▲ 0.50% · 4.625%
HK$21,362
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,584/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,766
−HK$1,303/mo
▼ 0.25% · 3.875%
HK$21,412
−HK$657/mo
Today · 4.125%
HK$22,069
baseline
▲ 0.50% · 4.625%
HK$23,411
+HK$1,342/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,138/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,722
−HK$628/mo
Today · 4.125%
HK$24,350
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,284/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,700/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$766/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$733/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,149
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,118
−HK$985/mo
Today · 4.125%
HK$33,103
baseline
▲ 0.50% · 4.625%
HK$35,117
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,206/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,653
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,583
−HK$943/mo
Today · 4.125%
HK$36,526
baseline
▲ 0.50% · 4.625%
HK$38,451
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,052/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$227,676 · 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).