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$17,158
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,692
−HK$542/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,343
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,088
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,600
−HK$519/mo
Today · 4.125%
HK$20,119
baseline
▲ 0.50% · 4.625%
HK$21,180
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,238/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,590
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,230
−HK$651/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$623/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,416
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,021
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,768
−HK$759/mo
Today · 4.125%
HK$25,527
baseline
▲ 0.50% · 4.625%
HK$27,081
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,054/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,440
−HK$727/mo
Today · 4.125%
HK$28,167
baseline
▲ 0.50% · 4.625%
HK$29,652
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,334/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,884
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,845
−HK$976/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,818
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,359
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$935/mo
Today · 4.125%
HK$36,215
baseline
▲ 0.50% · 4.625%
HK$38,124
+HK$1,909/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,430/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,738 · 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).