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$17,203
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,738
−HK$544/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,394
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,138
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$520/mo
Today · 4.125%
HK$20,172
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,344/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,644
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,286
−HK$652/mo
Today · 4.125%
HK$21,938
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,876/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,966
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$625/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,084
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,833
−HK$762/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$27,152
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,512
−HK$729/mo
Today · 4.125%
HK$28,241
baseline
▲ 0.50% · 4.625%
HK$29,730
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,482/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,966
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$978/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$2,003/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,373
−HK$937/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$1,914/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,331 · 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).