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$17,067
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,597
−HK$540/mo
Today · 4.125%
HK$18,137
baseline
▲ 0.50% · 4.625%
HK$19,240
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,274/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,986
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,496
−HK$516/mo
Today · 4.125%
HK$20,012
baseline
▲ 0.50% · 4.625%
HK$21,067
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,024/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,480
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$647/mo
Today · 4.125%
HK$21,764
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,325/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,528/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,395
−HK$620/mo
Today · 4.125%
HK$24,015
baseline
▲ 0.50% · 4.625%
HK$25,281
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,030/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,893
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,636
−HK$756/mo
Today · 4.125%
HK$25,392
baseline
▲ 0.50% · 4.625%
HK$26,937
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,784/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,581
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$723/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,494
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,720
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,675
−HK$971/mo
Today · 4.125%
HK$32,646
baseline
▲ 0.50% · 4.625%
HK$34,633
+HK$1,987/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$65,292/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,176
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,092
−HK$930/mo
Today · 4.125%
HK$36,022
baseline
▲ 0.50% · 4.625%
HK$37,921
+HK$1,899/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$72,044/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,536 · 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).