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$17,283
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$546/mo
Today · 4.125%
HK$18,366
baseline
▲ 0.50% · 4.625%
HK$19,484
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,732/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,227
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,742
−HK$524/mo
Today · 4.125%
HK$20,266
baseline
▲ 0.50% · 4.625%
HK$21,334
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,532/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,739
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,384
−HK$656/mo
Today · 4.125%
HK$22,040
baseline
▲ 0.50% · 4.625%
HK$23,381
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,080/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$628/mo
Today · 4.125%
HK$24,319
baseline
▲ 0.50% · 4.625%
HK$25,600
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,638/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,196
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,948
−HK$765/mo
Today · 4.125%
HK$25,713
baseline
▲ 0.50% · 4.625%
HK$27,278
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,426/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,917
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,639
−HK$733/mo
Today · 4.125%
HK$28,372
baseline
▲ 0.50% · 4.625%
HK$29,867
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,744/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,109
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$984/mo
Today · 4.125%
HK$33,060
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$2,011/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,120/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,536
−HK$942/mo
Today · 4.125%
HK$36,478
baseline
▲ 0.50% · 4.625%
HK$38,401
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,956/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,378 · 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).