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$17,182
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,717
−HK$543/mo
Today · 4.125%
HK$18,260
baseline
▲ 0.50% · 4.625%
HK$19,371
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,520/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$520/mo
Today · 4.125%
HK$20,148
baseline
▲ 0.50% · 4.625%
HK$21,210
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,296/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,619
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,260
−HK$652/mo
Today · 4.125%
HK$21,912
baseline
▲ 0.50% · 4.625%
HK$23,245
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,824/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,938
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$624/mo
Today · 4.125%
HK$24,177
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,275/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,354/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,055
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$761/mo
Today · 4.125%
HK$25,564
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,128/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,761
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,479
−HK$728/mo
Today · 4.125%
HK$28,207
baseline
▲ 0.50% · 4.625%
HK$29,694
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,414/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,890
−HK$978/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,867
+HK$1,999/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,407
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,330
−HK$936/mo
Today · 4.125%
HK$36,266
baseline
▲ 0.50% · 4.625%
HK$38,178
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,532/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,058 · 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).