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$17,196
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,730
−HK$544/mo
Today · 4.125%
HK$18,274
baseline
▲ 0.50% · 4.625%
HK$19,386
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,548/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,130
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$520/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,226
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,277
−HK$652/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,263
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$624/mo
Today · 4.125%
HK$24,196
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,392/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,074
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,823
−HK$760/mo
Today · 4.125%
HK$25,583
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,166/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$729/mo
Today · 4.125%
HK$28,229
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,458/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,952
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,915
−HK$978/mo
Today · 4.125%
HK$32,893
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$2,001/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,786/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,434
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,357
−HK$937/mo
Today · 4.125%
HK$36,294
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,588/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,232 · 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).