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$17,128
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$542/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$1,107/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,566
−HK$519/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,143
+HK$1,058/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,554
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$649/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,866
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$622/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,726
−HK$758/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,677
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$726/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,601
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$975/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,219
−HK$934/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,350 · 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).