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$17,303
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$547/mo
Today · 4.125%
HK$18,388
baseline
▲ 0.50% · 4.625%
HK$19,507
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,776/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,249
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,765
−HK$524/mo
Today · 4.125%
HK$20,289
baseline
▲ 0.50% · 4.625%
HK$21,359
+HK$1,070/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,578/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,763
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,409
−HK$656/mo
Today · 4.125%
HK$22,065
baseline
▲ 0.50% · 4.625%
HK$23,408
+HK$1,343/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$44,130/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,099
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$23,718
−HK$629/mo
Today · 4.125%
HK$24,347
baseline
▲ 0.50% · 4.625%
HK$25,630
+HK$1,283/mo
Deposit HK$3.04M · loan HK$4.55M · min. income ≈ HK$48,694/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,224
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,977
−HK$766/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,309
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,949
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,672
−HK$733/mo
Today · 4.125%
HK$28,405
baseline
▲ 0.50% · 4.625%
HK$29,902
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,810/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,145
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,114
−HK$984/mo
Today · 4.125%
HK$33,098
baseline
▲ 0.50% · 4.625%
HK$35,112
+HK$2,014/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$66,196/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,648
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,578
−HK$942/mo
Today · 4.125%
HK$36,520
baseline
▲ 0.50% · 4.625%
HK$38,445
+HK$1,925/mo
Deposit HK$759K · loan HK$6.83M · min. income ≈ HK$73,040/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,643 · 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).