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$17,213
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,748
−HK$544/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,405
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,662
−HK$521/mo
Today · 4.125%
HK$20,183
baseline
▲ 0.50% · 4.625%
HK$21,247
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,366/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,655
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$653/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,286
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,978
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$625/mo
Today · 4.125%
HK$24,220
baseline
▲ 0.50% · 4.625%
HK$25,497
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,098
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,847
−HK$762/mo
Today · 4.125%
HK$25,609
baseline
▲ 0.50% · 4.625%
HK$27,167
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,218/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,808
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$730/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,746
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,983
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,946
−HK$979/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,929
+HK$2,004/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$938/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$1,915/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,455 · 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).