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$17,211
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,747
−HK$544/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,404
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,582/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,148
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$521/mo
Today · 4.125%
HK$20,182
baseline
▲ 0.50% · 4.625%
HK$21,246
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,364/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,654
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,296
−HK$653/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,977
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,593
−HK$626/mo
Today · 4.125%
HK$24,219
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,438/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,096
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$761/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,526
−HK$729/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,981
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,944
−HK$979/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,927
+HK$2,004/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,846/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,466
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,390
−HK$938/mo
Today · 4.125%
HK$36,328
baseline
▲ 0.50% · 4.625%
HK$38,243
+HK$1,915/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,656/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,442 · 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).