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$17,220
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,756
−HK$544/mo
Today · 4.125%
HK$18,300
baseline
▲ 0.50% · 4.625%
HK$19,414
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,600/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,671
−HK$521/mo
Today · 4.125%
HK$20,192
baseline
▲ 0.50% · 4.625%
HK$21,257
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,384/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,664
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,307
−HK$653/mo
Today · 4.125%
HK$21,960
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,920/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,989
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,605
−HK$626/mo
Today · 4.125%
HK$24,231
baseline
▲ 0.50% · 4.625%
HK$25,508
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,462/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,858
−HK$762/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$27,179
+HK$1,559/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,240/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,820
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,540
−HK$729/mo
Today · 4.125%
HK$28,269
baseline
▲ 0.50% · 4.625%
HK$29,759
+HK$1,490/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,538/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,996
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,961
−HK$979/mo
Today · 4.125%
HK$32,940
baseline
▲ 0.50% · 4.625%
HK$34,944
+HK$2,004/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,880/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,483
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,408
−HK$938/mo
Today · 4.125%
HK$36,346
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,692/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,557 · 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).