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$17,153
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,686
−HK$542/mo
Today · 4.125%
HK$18,228
baseline
▲ 0.50% · 4.625%
HK$19,338
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,456/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,082
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,594
−HK$519/mo
Today · 4.125%
HK$20,113
baseline
▲ 0.50% · 4.625%
HK$21,173
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,226/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,583
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,224
−HK$650/mo
Today · 4.125%
HK$21,874
baseline
▲ 0.50% · 4.625%
HK$23,205
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,748/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,899
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$623/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,408
+HK$1,272/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,014
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$759/mo
Today · 4.125%
HK$25,520
baseline
▲ 0.50% · 4.625%
HK$27,073
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,040/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,432
−HK$727/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,643
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,835
−HK$976/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,348
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,269
−HK$935/mo
Today · 4.125%
HK$36,204
baseline
▲ 0.50% · 4.625%
HK$38,112
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,408/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,670 · 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).