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$17,078
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$540/mo
Today · 4.125%
HK$18,149
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,298/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,999
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,509
−HK$517/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,081
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,131
−HK$648/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$620/mo
Today · 4.125%
HK$24,031
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,062/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,909
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,653
−HK$756/mo
Today · 4.125%
HK$25,409
baseline
▲ 0.50% · 4.625%
HK$26,955
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,818/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$724/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,514
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,741
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,697
−HK$971/mo
Today · 4.125%
HK$32,668
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,336/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,199
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,116
−HK$930/mo
Today · 4.125%
HK$36,046
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,092/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,688 · 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).