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$17,068
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,599
−HK$540/mo
Today · 4.125%
HK$18,139
baseline
▲ 0.50% · 4.625%
HK$19,242
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,278/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,988
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,498
−HK$516/mo
Today · 4.125%
HK$20,014
baseline
▲ 0.50% · 4.625%
HK$21,069
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,028/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,482
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$647/mo
Today · 4.125%
HK$21,766
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,325/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,532/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,786
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,397
−HK$620/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,896
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,639
−HK$755/mo
Today · 4.125%
HK$25,394
baseline
▲ 0.50% · 4.625%
HK$26,939
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,788/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,297
−HK$723/mo
Today · 4.125%
HK$28,020
baseline
▲ 0.50% · 4.625%
HK$29,497
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,040/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,723
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$971/mo
Today · 4.125%
HK$32,650
baseline
▲ 0.50% · 4.625%
HK$34,636
+HK$1,986/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,300/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,179
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,096
−HK$930/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$37,925
+HK$1,899/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,559 · 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).