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$1,077/mo
▼ 0.25% · 3.875%
HK$17,722
−HK$543/mo
Today · 4.125%
HK$18,265
baseline
▲ 0.50% · 4.625%
HK$19,377
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,530/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,121
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,634
−HK$520/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,216
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,625
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$652/mo
Today · 4.125%
HK$21,919
baseline
▲ 0.50% · 4.625%
HK$23,252
+HK$1,333/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$226,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,945
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$624/mo
Today · 4.125%
HK$24,185
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,370/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,063
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$761/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$27,128
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$729/mo
Today · 4.125%
HK$28,216
baseline
▲ 0.50% · 4.625%
HK$29,703
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,432/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,938
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,900
−HK$978/mo
Today · 4.125%
HK$32,878
baseline
▲ 0.50% · 4.625%
HK$34,878
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,756/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,418
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,341
−HK$936/mo
Today · 4.125%
HK$36,277
baseline
▲ 0.50% · 4.625%
HK$38,190
+HK$1,913/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,554/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,128 · 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).