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$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$541/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$518/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,555
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$649/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,330/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$622/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,271/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,726
−HK$758/mo
Today · 4.125%
HK$25,484
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,968/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,678
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$726/mo
Today · 4.125%
HK$28,119
baseline
▲ 0.50% · 4.625%
HK$29,601
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,238/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,791
−HK$974/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,759
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,300
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,220
−HK$933/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,059
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,354 · 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).