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$17,191
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,726
−HK$543/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,381
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,125
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,638
−HK$520/mo
Today · 4.125%
HK$20,158
baseline
▲ 0.50% · 4.625%
HK$21,221
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,316/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,629
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,271
−HK$652/mo
Today · 4.125%
HK$21,923
baseline
▲ 0.50% · 4.625%
HK$23,257
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,846/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,950
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,565
−HK$625/mo
Today · 4.125%
HK$24,190
baseline
▲ 0.50% · 4.625%
HK$25,465
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,380/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,068
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$761/mo
Today · 4.125%
HK$25,577
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,154/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,775
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,493
−HK$728/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,709
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,944
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,906
−HK$978/mo
Today · 4.125%
HK$32,884
baseline
▲ 0.50% · 4.625%
HK$34,885
+HK$2,001/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,768/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,425
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,348
−HK$937/mo
Today · 4.125%
HK$36,285
baseline
▲ 0.50% · 4.625%
HK$38,197
+HK$1,912/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,570/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,174 · 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).