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$17,130
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,663
−HK$541/mo
Today · 4.125%
HK$18,204
baseline
▲ 0.50% · 4.625%
HK$19,312
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,408/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,057
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,568
−HK$518/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,145
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,556
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,195
−HK$650/mo
Today · 4.125%
HK$21,845
baseline
▲ 0.50% · 4.625%
HK$23,174
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,690/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,868
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,482
−HK$622/mo
Today · 4.125%
HK$24,104
baseline
▲ 0.50% · 4.625%
HK$25,374
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,208/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,982
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,728
−HK$758/mo
Today · 4.125%
HK$25,486
baseline
▲ 0.50% · 4.625%
HK$27,037
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,972/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,680
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,395
−HK$726/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,603
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,834
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$974/mo
Today · 4.125%
HK$32,767
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,534/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,302
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,222
−HK$934/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,061
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,312/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,369 · 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).