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$17,209
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,745
−HK$543/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$521/mo
Today · 4.125%
HK$20,180
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,360/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,651
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,294
−HK$652/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,974
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$625/mo
Today · 4.125%
HK$24,215
baseline
▲ 0.50% · 4.625%
HK$25,492
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,430/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,093
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$762/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$27,162
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$729/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,741
+HK$1,490/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$979/mo
Today · 4.125%
HK$32,919
baseline
▲ 0.50% · 4.625%
HK$34,922
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,838/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,461
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,386
−HK$937/mo
Today · 4.125%
HK$36,323
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$1,915/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,646/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,413 · 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).