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$17,268
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,805
−HK$546/mo
Today · 4.125%
HK$18,351
baseline
▲ 0.50% · 4.625%
HK$19,467
+HK$1,116/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,702/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,726
−HK$522/mo
Today · 4.125%
HK$20,248
baseline
▲ 0.50% · 4.625%
HK$21,316
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,496/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,721
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,366
−HK$655/mo
Today · 4.125%
HK$22,021
baseline
▲ 0.50% · 4.625%
HK$23,361
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,042/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,671
−HK$627/mo
Today · 4.125%
HK$24,298
baseline
▲ 0.50% · 4.625%
HK$25,579
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,596/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,175
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,927
−HK$764/mo
Today · 4.125%
HK$25,691
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,382/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,895
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,616
−HK$732/mo
Today · 4.125%
HK$28,348
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,696/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,082
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,049
−HK$982/mo
Today · 4.125%
HK$33,031
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$2,010/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,062/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,579
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,506
−HK$941/mo
Today · 4.125%
HK$36,447
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$1,921/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,894/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,184 · 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).