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$17,285
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$546/mo
Today · 4.125%
HK$18,369
baseline
▲ 0.50% · 4.625%
HK$19,487
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,738/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,230
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,745
−HK$524/mo
Today · 4.125%
HK$20,269
baseline
▲ 0.50% · 4.625%
HK$21,337
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,538/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,742
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,387
−HK$656/mo
Today · 4.125%
HK$22,043
baseline
▲ 0.50% · 4.625%
HK$23,384
+HK$1,341/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,086/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,694
−HK$628/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,604
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$765/mo
Today · 4.125%
HK$25,717
baseline
▲ 0.50% · 4.625%
HK$27,282
+HK$1,565/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$51,434/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,643
−HK$733/mo
Today · 4.125%
HK$28,376
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.31M · min. income ≈ HK$56,752/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,113
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,081
−HK$983/mo
Today · 4.125%
HK$33,064
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,128/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,542
−HK$941/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,406
+HK$1,923/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,412 · 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).