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$17,188
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,723
−HK$543/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,378
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,122
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,635
−HK$520/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,217
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,626
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$651/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,253
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,838/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,946
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$624/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,064
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$761/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$27,129
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,771
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$728/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,939
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,901
−HK$978/mo
Today · 4.125%
HK$32,879
baseline
▲ 0.50% · 4.625%
HK$34,880
+HK$2,001/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,758/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,419
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,342
−HK$937/mo
Today · 4.125%
HK$36,279
baseline
▲ 0.50% · 4.625%
HK$38,191
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,558/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,138 · 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).