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$17,075
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,606
−HK$540/mo
Today · 4.125%
HK$18,146
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,292/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,996
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,505
−HK$517/mo
Today · 4.125%
HK$20,022
baseline
▲ 0.50% · 4.625%
HK$21,077
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,044/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,490
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,127
−HK$648/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$23,100
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,550/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$620/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,293
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,905
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,648
−HK$756/mo
Today · 4.125%
HK$25,404
baseline
▲ 0.50% · 4.625%
HK$26,950
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,808/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,594
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$724/mo
Today · 4.125%
HK$28,031
baseline
▲ 0.50% · 4.625%
HK$29,508
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,062/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,735
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,691
−HK$971/mo
Today · 4.125%
HK$32,662
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,324/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,109
−HK$930/mo
Today · 4.125%
HK$36,039
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,078/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,644 · 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).