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$17,172
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,706
−HK$543/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,359
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,104
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$520/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,197
+HK$1,061/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,607
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$651/mo
Today · 4.125%
HK$21,899
baseline
▲ 0.50% · 4.625%
HK$23,231
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,798/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,925
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,539
−HK$624/mo
Today · 4.125%
HK$24,163
baseline
▲ 0.50% · 4.625%
HK$25,437
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,326/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,041
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,789
−HK$760/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$27,103
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,463
−HK$727/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,910
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$977/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,847
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,387
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,309
−HK$936/mo
Today · 4.125%
HK$36,245
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,490/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,924 · 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).