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$17,073
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$540/mo
Today · 4.125%
HK$18,144
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,288/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,994
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$517/mo
Today · 4.125%
HK$20,020
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,040/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,488
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,125
−HK$648/mo
Today · 4.125%
HK$21,773
baseline
▲ 0.50% · 4.625%
HK$23,097
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,546/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,793
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$620/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,290
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,903
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,646
−HK$755/mo
Today · 4.125%
HK$25,401
baseline
▲ 0.50% · 4.625%
HK$26,947
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,802/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,591
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$723/mo
Today · 4.125%
HK$28,028
baseline
▲ 0.50% · 4.625%
HK$29,505
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,056/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,732
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,688
−HK$971/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,646
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,189
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$930/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$37,935
+HK$1,899/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,623 · 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).