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$17,208
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$544/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,400
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,574/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,144
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$521/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,649
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,292
−HK$652/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,280
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,972
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,588
−HK$625/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$762/mo
Today · 4.125%
HK$25,602
baseline
▲ 0.50% · 4.625%
HK$27,160
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,204/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,801
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,520
−HK$729/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$979/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$937/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,235
+HK$1,915/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,395 · 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).