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$17,168
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,702
−HK$543/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,355
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$519/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,193
+HK$1,062/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,602
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$651/mo
Today · 4.125%
HK$21,894
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,788/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$624/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,036
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$760/mo
Today · 4.125%
HK$25,543
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,086/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,739
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$727/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$977/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,379
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$936/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,874 · 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).