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$17,185
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$543/mo
Today · 4.125%
HK$18,262
baseline
▲ 0.50% · 4.625%
HK$19,373
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,524/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,118
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,630
−HK$520/mo
Today · 4.125%
HK$20,150
baseline
▲ 0.50% · 4.625%
HK$21,213
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,300/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,621
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$652/mo
Today · 4.125%
HK$21,915
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,830/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$625/mo
Today · 4.125%
HK$24,181
baseline
▲ 0.50% · 4.625%
HK$25,455
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,362/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,058
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$760/mo
Today · 4.125%
HK$25,567
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,134/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,765
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,482
−HK$729/mo
Today · 4.125%
HK$28,211
baseline
▲ 0.50% · 4.625%
HK$29,698
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,422/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,894
−HK$978/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,412
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$936/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,087 · 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).