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$17,206
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$544/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,397
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,141
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,654
−HK$521/mo
Today · 4.125%
HK$20,175
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,350/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,289
−HK$652/mo
Today · 4.125%
HK$21,941
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,882/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,969
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$625/mo
Today · 4.125%
HK$24,210
baseline
▲ 0.50% · 4.625%
HK$25,486
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,420/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,088
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$761/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$27,156
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$729/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,970
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,933
−HK$979/mo
Today · 4.125%
HK$32,912
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,824/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,378
−HK$937/mo
Today · 4.125%
HK$36,315
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$1,915/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,630/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,365 · 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).