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$17,173
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,707
−HK$543/mo
Today · 4.125%
HK$18,250
baseline
▲ 0.50% · 4.625%
HK$19,361
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,500/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,105
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,617
−HK$520/mo
Today · 4.125%
HK$20,137
baseline
▲ 0.50% · 4.625%
HK$21,199
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,274/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,608
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,249
−HK$651/mo
Today · 4.125%
HK$21,900
baseline
▲ 0.50% · 4.625%
HK$23,233
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,800/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,926
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$624/mo
Today · 4.125%
HK$24,165
baseline
▲ 0.50% · 4.625%
HK$25,438
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,330/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,042
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$760/mo
Today · 4.125%
HK$25,550
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,100/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,747
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,464
−HK$728/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,678
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$225,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,912
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$977/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,389
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,311
−HK$936/mo
Today · 4.125%
HK$36,247
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,494/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,938 · 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).