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$17,214
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,750
−HK$544/mo
Today · 4.125%
HK$18,294
baseline
▲ 0.50% · 4.625%
HK$19,407
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,588/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,151
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,664
−HK$521/mo
Today · 4.125%
HK$20,185
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,370/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,657
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,300
−HK$652/mo
Today · 4.125%
HK$21,952
baseline
▲ 0.50% · 4.625%
HK$23,288
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,904/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,981
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,597
−HK$625/mo
Today · 4.125%
HK$24,222
baseline
▲ 0.50% · 4.625%
HK$25,499
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,444/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,100
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$761/mo
Today · 4.125%
HK$25,611
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,559/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,222/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,811
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$729/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,490/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,986
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,949
−HK$980/mo
Today · 4.125%
HK$32,929
baseline
▲ 0.50% · 4.625%
HK$34,932
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,858/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,471
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,396
−HK$938/mo
Today · 4.125%
HK$36,334
baseline
▲ 0.50% · 4.625%
HK$38,249
+HK$1,915/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,668/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,478 · 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).