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$17,202
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,737
−HK$544/mo
Today · 4.125%
HK$18,281
baseline
▲ 0.50% · 4.625%
HK$19,393
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,562/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,137
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$521/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,643
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$652/mo
Today · 4.125%
HK$21,937
baseline
▲ 0.50% · 4.625%
HK$23,272
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,874/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,965
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,581
−HK$624/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,481
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,083
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$761/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,511
−HK$729/mo
Today · 4.125%
HK$28,240
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,480/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,964
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,927
−HK$979/mo
Today · 4.125%
HK$32,906
baseline
▲ 0.50% · 4.625%
HK$34,908
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,812/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,447
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,371
−HK$937/mo
Today · 4.125%
HK$36,308
baseline
▲ 0.50% · 4.625%
HK$38,222
+HK$1,914/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,616/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,319 · 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).