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$17,196
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,731
−HK$544/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,387
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,131
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,644
−HK$520/mo
Today · 4.125%
HK$20,164
baseline
▲ 0.50% · 4.625%
HK$21,227
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,328/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,635
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,277
−HK$653/mo
Today · 4.125%
HK$21,930
baseline
▲ 0.50% · 4.625%
HK$23,264
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,860/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,957
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$625/mo
Today · 4.125%
HK$24,197
baseline
▲ 0.50% · 4.625%
HK$25,473
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,394/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,075
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$760/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$27,141
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,783
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,501
−HK$729/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,718
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,953
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,916
−HK$978/mo
Today · 4.125%
HK$32,894
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,788/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,435
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,359
−HK$937/mo
Today · 4.125%
HK$36,296
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,592/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,241 · 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).