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$226,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,134
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,647
−HK$520/mo
Today · 4.125%
HK$20,167
baseline
▲ 0.50% · 4.625%
HK$21,231
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,334/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,639
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,281
−HK$652/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,268
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,961
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,576
−HK$625/mo
Today · 4.125%
HK$24,201
baseline
▲ 0.50% · 4.625%
HK$25,477
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,402/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,278 · 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$226,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,787
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$728/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,958
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,921
−HK$979/mo
Today · 4.125%
HK$32,900
baseline
▲ 0.50% · 4.625%
HK$34,901
+HK$2,001/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$226,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,441
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,364
−HK$937/mo
Today · 4.125%
HK$36,301
baseline
▲ 0.50% · 4.625%
HK$38,215
+HK$1,914/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,602/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,278 · 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).