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$17,293
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$547/mo
Today · 4.125%
HK$18,378
baseline
▲ 0.50% · 4.625%
HK$19,496
+HK$1,118/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,756/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,238
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,754
−HK$524/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,752
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,397
−HK$656/mo
Today · 4.125%
HK$22,053
baseline
▲ 0.50% · 4.625%
HK$23,395
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,106/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,086
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$628/mo
Today · 4.125%
HK$24,333
baseline
▲ 0.50% · 4.625%
HK$25,616
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,666/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,210
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,963
−HK$766/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,565/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,934
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$733/mo
Today · 4.125%
HK$28,389
baseline
▲ 0.50% · 4.625%
HK$29,885
+HK$1,496/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,778/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,128
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$984/mo
Today · 4.125%
HK$33,080
baseline
▲ 0.50% · 4.625%
HK$35,092
+HK$2,012/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$66,160/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,629
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,558
−HK$942/mo
Today · 4.125%
HK$36,500
baseline
▲ 0.50% · 4.625%
HK$38,424
+HK$1,924/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$73,000/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,516 · 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).