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$17,071
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$540/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,245
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,284/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,991
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,501
−HK$516/mo
Today · 4.125%
HK$20,017
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,056/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,034/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,485
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$648/mo
Today · 4.125%
HK$21,770
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,325/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,540/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,790
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$620/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,899
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,643
−HK$755/mo
Today · 4.125%
HK$25,398
baseline
▲ 0.50% · 4.625%
HK$26,944
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,796/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,588
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,301
−HK$723/mo
Today · 4.125%
HK$28,024
baseline
▲ 0.50% · 4.625%
HK$29,502
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,048/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,728
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$971/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,184
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,101
−HK$930/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,594 · 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).