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$17,193
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$544/mo
Today · 4.125%
HK$18,271
baseline
▲ 0.50% · 4.625%
HK$19,382
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,542/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,127
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,640
−HK$520/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,223
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,631
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$652/mo
Today · 4.125%
HK$21,925
baseline
▲ 0.50% · 4.625%
HK$23,259
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,850/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,952
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$625/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,467
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,070
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,818
−HK$761/mo
Today · 4.125%
HK$25,579
baseline
▲ 0.50% · 4.625%
HK$27,135
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,158/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,495
−HK$729/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,712
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,947
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,909
−HK$978/mo
Today · 4.125%
HK$32,887
baseline
▲ 0.50% · 4.625%
HK$34,888
+HK$2,001/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,774/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,428
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,351
−HK$937/mo
Today · 4.125%
HK$36,288
baseline
▲ 0.50% · 4.625%
HK$38,201
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,576/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,193 · 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).