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$17,199
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,734
−HK$544/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,390
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,647
−HK$521/mo
Today · 4.125%
HK$20,168
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,336/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,639
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,281
−HK$653/mo
Today · 4.125%
HK$21,934
baseline
▲ 0.50% · 4.625%
HK$23,268
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,868/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,961
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,577
−HK$625/mo
Today · 4.125%
HK$24,202
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,404/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,079
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$761/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$27,146
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,788
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$729/mo
Today · 4.125%
HK$28,235
baseline
▲ 0.50% · 4.625%
HK$29,724
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,470/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,959
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,922
−HK$978/mo
Today · 4.125%
HK$32,900
baseline
▲ 0.50% · 4.625%
HK$34,902
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,800/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,365
−HK$937/mo
Today · 4.125%
HK$36,302
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$1,914/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,604/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,284 · 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).