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$17,206
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,741
−HK$544/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,397
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,141
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,655
−HK$521/mo
Today · 4.125%
HK$20,176
baseline
▲ 0.50% · 4.625%
HK$21,239
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,352/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,647
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,289
−HK$653/mo
Today · 4.125%
HK$21,942
baseline
▲ 0.50% · 4.625%
HK$23,277
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,884/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,970
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,586
−HK$625/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,487
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,088
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,838
−HK$761/mo
Today · 4.125%
HK$25,599
baseline
▲ 0.50% · 4.625%
HK$27,156
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,198/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,798
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,517
−HK$729/mo
Today · 4.125%
HK$28,246
baseline
▲ 0.50% · 4.625%
HK$29,735
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,492/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,971
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$979/mo
Today · 4.125%
HK$32,913
baseline
▲ 0.50% · 4.625%
HK$34,915
+HK$2,002/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,826/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,454
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,379
−HK$937/mo
Today · 4.125%
HK$36,316
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$1,914/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,632/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,368 · 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).