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$17,180
−HK$1,077/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$543/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,368
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,625
−HK$520/mo
Today · 4.125%
HK$20,145
baseline
▲ 0.50% · 4.625%
HK$21,207
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,290/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,616
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$652/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,550
−HK$624/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,448
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,052
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,800
−HK$760/mo
Today · 4.125%
HK$25,560
baseline
▲ 0.50% · 4.625%
HK$27,115
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,120/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,757
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,475
−HK$728/mo
Today · 4.125%
HK$28,203
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,406/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,886
−HK$977/mo
Today · 4.125%
HK$32,863
baseline
▲ 0.50% · 4.625%
HK$34,862
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,726/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$226,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,402
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,325
−HK$936/mo
Today · 4.125%
HK$36,261
baseline
▲ 0.50% · 4.625%
HK$38,172
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,522/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$226,025 · 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).