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$17,161
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,695
−HK$542/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,347
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,092
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,604
−HK$519/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,184
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,593
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$651/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,910
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,524
−HK$624/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,421
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,026
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,773
−HK$759/mo
Today · 4.125%
HK$25,532
baseline
▲ 0.50% · 4.625%
HK$27,086
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,064/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,728
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,445
−HK$727/mo
Today · 4.125%
HK$28,172
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,344/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,890
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,851
−HK$976/mo
Today · 4.125%
HK$32,827
baseline
▲ 0.50% · 4.625%
HK$34,825
+HK$1,998/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$65,654/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,365
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,287
−HK$935/mo
Today · 4.125%
HK$36,222
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$1,909/mo
Deposit HK$753K · loan HK$6.77M · min. income ≈ HK$72,444/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,780 · 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).