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$17,073
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$539/mo
Today · 4.125%
HK$18,143
baseline
▲ 0.50% · 4.625%
HK$19,247
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,286/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,993
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,503
−HK$516/mo
Today · 4.125%
HK$20,019
baseline
▲ 0.50% · 4.625%
HK$21,075
+HK$1,056/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,038/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,487
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$648/mo
Today · 4.125%
HK$21,772
baseline
▲ 0.50% · 4.625%
HK$23,097
+HK$1,325/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,544/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,792
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,403
−HK$620/mo
Today · 4.125%
HK$24,023
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,046/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,902
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,645
−HK$756/mo
Today · 4.125%
HK$25,401
baseline
▲ 0.50% · 4.625%
HK$26,946
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,802/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,590
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$723/mo
Today · 4.125%
HK$28,027
baseline
▲ 0.50% · 4.625%
HK$29,504
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,054/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,731
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,687
−HK$971/mo
Today · 4.125%
HK$32,658
baseline
▲ 0.50% · 4.625%
HK$34,645
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,316/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,188
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,105
−HK$930/mo
Today · 4.125%
HK$36,035
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$1,899/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,070/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,616 · 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).