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$17,204
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,739
−HK$543/mo
Today · 4.125%
HK$18,282
baseline
▲ 0.50% · 4.625%
HK$19,395
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,564/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,139
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,652
−HK$521/mo
Today · 4.125%
HK$20,173
baseline
▲ 0.50% · 4.625%
HK$21,236
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,346/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,644
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,286
−HK$653/mo
Today · 4.125%
HK$21,939
baseline
▲ 0.50% · 4.625%
HK$23,274
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,878/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,967
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,583
−HK$624/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,085
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$761/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$27,153
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,513
−HK$729/mo
Today · 4.125%
HK$28,242
baseline
▲ 0.50% · 4.625%
HK$29,731
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,484/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,966
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,930
−HK$978/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,911
+HK$2,003/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,816/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,450
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,374
−HK$937/mo
Today · 4.125%
HK$36,311
baseline
▲ 0.50% · 4.625%
HK$38,225
+HK$1,914/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,622/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,338 · 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).