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$17,182
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$543/mo
Today · 4.125%
HK$18,259
baseline
▲ 0.50% · 4.625%
HK$19,370
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,518/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,114
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,627
−HK$520/mo
Today · 4.125%
HK$20,147
baseline
▲ 0.50% · 4.625%
HK$21,209
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,294/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,618
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$652/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,937
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$625/mo
Today · 4.125%
HK$24,177
baseline
▲ 0.50% · 4.625%
HK$25,451
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,354/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,054
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$760/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$27,118
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,760
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$728/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,927
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$977/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$2,000/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,406
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,329
−HK$936/mo
Today · 4.125%
HK$36,265
baseline
▲ 0.50% · 4.625%
HK$38,176
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,530/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,050 · 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).