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$17,210
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,745
−HK$544/mo
Today · 4.125%
HK$18,289
baseline
▲ 0.50% · 4.625%
HK$19,402
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,578/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$521/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,244
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,294
−HK$653/mo
Today · 4.125%
HK$21,947
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,894/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,975
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$625/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,492
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,843
−HK$761/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$27,162
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,804
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,523
−HK$729/mo
Today · 4.125%
HK$28,252
baseline
▲ 0.50% · 4.625%
HK$29,741
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,504/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,941
−HK$979/mo
Today · 4.125%
HK$32,920
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,840/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,462
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$938/mo
Today · 4.125%
HK$36,324
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$1,914/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,648/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,417 · 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).