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$17,183
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$543/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,116
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,629
−HK$520/mo
Today · 4.125%
HK$20,149
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,298/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$652/mo
Today · 4.125%
HK$21,913
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,826/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$624/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,275/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,804
−HK$761/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,762
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$728/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,929
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,891
−HK$978/mo
Today · 4.125%
HK$32,869
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,738/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,409
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,331
−HK$937/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,179
+HK$1,911/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,067 · 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).