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$17,067
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,598
−HK$540/mo
Today · 4.125%
HK$18,138
baseline
▲ 0.50% · 4.625%
HK$19,241
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,276/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,987
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,496
−HK$517/mo
Today · 4.125%
HK$20,013
baseline
▲ 0.50% · 4.625%
HK$21,068
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,026/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,481
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,118
−HK$647/mo
Today · 4.125%
HK$21,765
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,530/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,785
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$620/mo
Today · 4.125%
HK$24,016
baseline
▲ 0.50% · 4.625%
HK$25,282
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,032/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,894
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,637
−HK$756/mo
Today · 4.125%
HK$25,393
baseline
▲ 0.50% · 4.625%
HK$26,938
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,786/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,582
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,295
−HK$723/mo
Today · 4.125%
HK$28,018
baseline
▲ 0.50% · 4.625%
HK$29,495
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,036/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,721
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,677
−HK$971/mo
Today · 4.125%
HK$32,648
baseline
▲ 0.50% · 4.625%
HK$34,634
+HK$1,986/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$65,296/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,177
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,094
−HK$929/mo
Today · 4.125%
HK$36,023
baseline
▲ 0.50% · 4.625%
HK$37,922
+HK$1,899/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$72,046/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,545 · 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).