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$17,074
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$540/mo
Today · 4.125%
HK$18,145
baseline
▲ 0.50% · 4.625%
HK$19,249
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,290/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,995
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,504
−HK$517/mo
Today · 4.125%
HK$20,021
baseline
▲ 0.50% · 4.625%
HK$21,076
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,042/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,489
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$648/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$23,098
+HK$1,324/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,794
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,405
−HK$620/mo
Today · 4.125%
HK$24,025
baseline
▲ 0.50% · 4.625%
HK$25,291
+HK$1,266/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,050/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,904
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,647
−HK$756/mo
Today · 4.125%
HK$25,403
baseline
▲ 0.50% · 4.625%
HK$26,948
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,806/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,592
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$723/mo
Today · 4.125%
HK$28,029
baseline
▲ 0.50% · 4.625%
HK$29,507
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,058/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,733
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$971/mo
Today · 4.125%
HK$32,660
baseline
▲ 0.50% · 4.625%
HK$34,648
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,320/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,190
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$930/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$37,937
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,633 · 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).