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$17,128
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,660
−HK$542/mo
Today · 4.125%
HK$18,202
baseline
▲ 0.50% · 4.625%
HK$19,309
+HK$1,107/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,404/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,054
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$519/mo
Today · 4.125%
HK$20,084
baseline
▲ 0.50% · 4.625%
HK$21,142
+HK$1,058/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,168/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,553
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$649/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$23,171
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,865
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,478
−HK$623/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,979
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,725
−HK$757/mo
Today · 4.125%
HK$25,482
baseline
▲ 0.50% · 4.625%
HK$27,033
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,964/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,676
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,392
−HK$725/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,599
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,830
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,789
−HK$974/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,298
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,218
−HK$933/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,339 · 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).