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$17,139
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,672
−HK$542/mo
Today · 4.125%
HK$18,214
baseline
▲ 0.50% · 4.625%
HK$19,322
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,428/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,067
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,579
−HK$518/mo
Today · 4.125%
HK$20,097
baseline
▲ 0.50% · 4.625%
HK$21,157
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,194/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,567
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,207
−HK$650/mo
Today · 4.125%
HK$21,857
baseline
▲ 0.50% · 4.625%
HK$23,187
+HK$1,330/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,714/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,881
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,494
−HK$623/mo
Today · 4.125%
HK$24,117
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,271/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,234/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,995
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,741
−HK$759/mo
Today · 4.125%
HK$25,500
baseline
▲ 0.50% · 4.625%
HK$27,051
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$51,000/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,694
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,410
−HK$726/mo
Today · 4.125%
HK$28,136
baseline
▲ 0.50% · 4.625%
HK$29,619
+HK$1,483/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,272/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,851
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$975/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,780
+HK$1,995/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,321
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,242
−HK$933/mo
Today · 4.125%
HK$36,175
baseline
▲ 0.50% · 4.625%
HK$38,082
+HK$1,907/mo
Deposit HK$752K · loan HK$6.76M · min. income ≈ HK$72,350/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,492 · 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).