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$17,065
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$540/mo
Today · 4.125%
HK$18,135
baseline
▲ 0.50% · 4.625%
HK$19,238
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,270/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$517/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,065
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,478
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$647/mo
Today · 4.125%
HK$21,762
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,524/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$620/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,278
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,891
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,634
−HK$755/mo
Today · 4.125%
HK$25,389
baseline
▲ 0.50% · 4.625%
HK$26,934
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,778/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,578
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,291
−HK$723/mo
Today · 4.125%
HK$28,014
baseline
▲ 0.50% · 4.625%
HK$29,491
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,028/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,716
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,672
−HK$971/mo
Today · 4.125%
HK$32,643
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,986/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$65,286/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,172
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$930/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$37,916
+HK$1,898/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,510 · 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).