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$17,198
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,733
−HK$543/mo
Today · 4.125%
HK$18,276
baseline
▲ 0.50% · 4.625%
HK$19,388
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,552/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,646
−HK$520/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,637
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,279
−HK$653/mo
Today · 4.125%
HK$21,932
baseline
▲ 0.50% · 4.625%
HK$23,266
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,864/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,959
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,575
−HK$624/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,077
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$761/mo
Today · 4.125%
HK$25,587
baseline
▲ 0.50% · 4.625%
HK$27,144
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,174/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,785
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$729/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,956
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,919
−HK$978/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,438
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,362
−HK$937/mo
Today · 4.125%
HK$36,299
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,598/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,263 · 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).