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$17,142
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,675
−HK$542/mo
Today · 4.125%
HK$18,217
baseline
▲ 0.50% · 4.625%
HK$19,325
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,434/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,070
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,582
−HK$519/mo
Today · 4.125%
HK$20,101
baseline
▲ 0.50% · 4.625%
HK$21,160
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,202/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,570
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,210
−HK$650/mo
Today · 4.125%
HK$21,860
baseline
▲ 0.50% · 4.625%
HK$23,191
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,720/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,884
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$623/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,999
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,745
−HK$759/mo
Today · 4.125%
HK$25,504
baseline
▲ 0.50% · 4.625%
HK$27,056
+HK$1,552/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$51,008/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,415
−HK$726/mo
Today · 4.125%
HK$28,141
baseline
▲ 0.50% · 4.625%
HK$29,624
+HK$1,483/mo
Deposit HK$2.26M · loan HK$5.26M · min. income ≈ HK$56,282/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,815
−HK$976/mo
Today · 4.125%
HK$32,791
baseline
▲ 0.50% · 4.625%
HK$34,786
+HK$1,995/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,582/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,327
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,247
−HK$934/mo
Today · 4.125%
HK$36,181
baseline
▲ 0.50% · 4.625%
HK$38,088
+HK$1,907/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,362/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,529 · 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).