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$17,171
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,705
−HK$543/mo
Today · 4.125%
HK$18,248
baseline
▲ 0.50% · 4.625%
HK$19,358
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,496/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,103
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,615
−HK$520/mo
Today · 4.125%
HK$20,135
baseline
▲ 0.50% · 4.625%
HK$21,196
+HK$1,061/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,270/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,605
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$651/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,923
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$624/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,435
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,040
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$760/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$27,102
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,461
−HK$728/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,675
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,908
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,869
−HK$977/mo
Today · 4.125%
HK$32,846
baseline
▲ 0.50% · 4.625%
HK$34,845
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,692/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,385
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,307
−HK$936/mo
Today · 4.125%
HK$36,243
baseline
▲ 0.50% · 4.625%
HK$38,153
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,486/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,911 · 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).