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$17,167
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,701
−HK$543/mo
Today · 4.125%
HK$18,244
baseline
▲ 0.50% · 4.625%
HK$19,354
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,488/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,098
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$519/mo
Today · 4.125%
HK$20,130
baseline
▲ 0.50% · 4.625%
HK$21,191
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,260/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$651/mo
Today · 4.125%
HK$21,893
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,786/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,918
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$623/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,034
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,782
−HK$759/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$727/mo
Today · 4.125%
HK$28,182
baseline
▲ 0.50% · 4.625%
HK$29,668
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,364/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$977/mo
Today · 4.125%
HK$32,839
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,678/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,377
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$936/mo
Today · 4.125%
HK$36,235
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,470/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,861 · 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).