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$17,197
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,732
−HK$543/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,387
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,131
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,645
−HK$520/mo
Today · 4.125%
HK$20,165
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,330/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,636
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$652/mo
Today · 4.125%
HK$21,930
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,860/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,958
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,573
−HK$625/mo
Today · 4.125%
HK$24,198
baseline
▲ 0.50% · 4.625%
HK$25,474
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,396/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$760/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,784
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$729/mo
Today · 4.125%
HK$28,231
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,462/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,954
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,917
−HK$979/mo
Today · 4.125%
HK$32,896
baseline
▲ 0.50% · 4.625%
HK$34,897
+HK$2,001/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,792/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,437
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,360
−HK$937/mo
Today · 4.125%
HK$36,297
baseline
▲ 0.50% · 4.625%
HK$38,210
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,594/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,250 · 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).