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$17,267
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$546/mo
Today · 4.125%
HK$18,350
baseline
▲ 0.50% · 4.625%
HK$19,467
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,700/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,210
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,725
−HK$522/mo
Today · 4.125%
HK$20,247
baseline
▲ 0.50% · 4.625%
HK$21,315
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,494/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,721
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,365
−HK$655/mo
Today · 4.125%
HK$22,020
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,040/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$627/mo
Today · 4.125%
HK$24,297
baseline
▲ 0.50% · 4.625%
HK$25,578
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,594/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,174
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,926
−HK$764/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,253
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,894
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$731/mo
Today · 4.125%
HK$28,346
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,495/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,692/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,081
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,048
−HK$982/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$35,040
+HK$2,010/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,577
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,505
−HK$940/mo
Today · 4.125%
HK$36,445
baseline
▲ 0.50% · 4.625%
HK$38,367
+HK$1,922/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,890/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,176 · 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).