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$17,186
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,721
−HK$543/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,375
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,119
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,632
−HK$520/mo
Today · 4.125%
HK$20,152
baseline
▲ 0.50% · 4.625%
HK$21,215
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,304/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,623
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$652/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,834/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,943
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,559
−HK$624/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,458
+HK$1,275/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$760/mo
Today · 4.125%
HK$25,569
baseline
▲ 0.50% · 4.625%
HK$27,125
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,138/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,767
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$728/mo
Today · 4.125%
HK$28,213
baseline
▲ 0.50% · 4.625%
HK$29,700
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,426/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,935
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$978/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,750/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,338
−HK$936/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,186
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,108 · 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).