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$17,195
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$543/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$521/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,634
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$652/mo
Today · 4.125%
HK$21,928
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,856/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$624/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,470
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,073
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$760/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$27,139
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,781
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$729/mo
Today · 4.125%
HK$28,228
baseline
▲ 0.50% · 4.625%
HK$29,716
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,456/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,914
−HK$978/mo
Today · 4.125%
HK$32,892
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$2,001/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,784/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,432
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,356
−HK$937/mo
Today · 4.125%
HK$36,293
baseline
▲ 0.50% · 4.625%
HK$38,206
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,586/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,223 · 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).