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$17,191
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$544/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$521/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,629
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$652/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,565
−HK$624/mo
Today · 4.125%
HK$24,189
baseline
▲ 0.50% · 4.625%
HK$25,464
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,378/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,067
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$760/mo
Today · 4.125%
HK$25,576
baseline
▲ 0.50% · 4.625%
HK$27,132
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,152/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,774
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,492
−HK$729/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,708
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,943
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,906
−HK$978/mo
Today · 4.125%
HK$32,884
baseline
▲ 0.50% · 4.625%
HK$34,884
+HK$2,000/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,768/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,424
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,347
−HK$937/mo
Today · 4.125%
HK$36,284
baseline
▲ 0.50% · 4.625%
HK$38,196
+HK$1,912/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,568/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,168 · 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).