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$17,127
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,660
−HK$541/mo
Today · 4.125%
HK$18,201
baseline
▲ 0.50% · 4.625%
HK$19,308
+HK$1,107/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,402/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,054
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$518/mo
Today · 4.125%
HK$20,083
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,166/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,552
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,192
−HK$649/mo
Today · 4.125%
HK$21,841
baseline
▲ 0.50% · 4.625%
HK$23,170
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,682/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,864
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$622/mo
Today · 4.125%
HK$24,100
baseline
▲ 0.50% · 4.625%
HK$25,370
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,200/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,978
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,724
−HK$757/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$27,032
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,675
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$726/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,598
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,829
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$974/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,296
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,216
−HK$933/mo
Today · 4.125%
HK$36,149
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,298/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,330 · 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).