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$226,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,120
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,632
−HK$521/mo
Today · 4.125%
HK$20,153
baseline
▲ 0.50% · 4.625%
HK$21,215
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,306/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,624
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,265
−HK$652/mo
Today · 4.125%
HK$21,917
baseline
▲ 0.50% · 4.625%
HK$23,251
+HK$1,334/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$226,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,239/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$226,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,061
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$761/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,768
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$729/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,701
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,935
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,898
−HK$977/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,876
+HK$2,001/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$226,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,338
−HK$937/mo
Today · 4.125%
HK$36,275
baseline
▲ 0.50% · 4.625%
HK$38,187
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,550/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,111 · 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).