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$17,189
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,724
−HK$543/mo
Today · 4.125%
HK$18,267
baseline
▲ 0.50% · 4.625%
HK$19,379
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,534/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,123
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,636
−HK$520/mo
Today · 4.125%
HK$20,156
baseline
▲ 0.50% · 4.625%
HK$21,219
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,312/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,627
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,269
−HK$652/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,255
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,948
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$624/mo
Today · 4.125%
HK$24,187
baseline
▲ 0.50% · 4.625%
HK$25,462
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,374/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,065
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$760/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$27,130
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,772
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,490
−HK$729/mo
Today · 4.125%
HK$28,219
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,438/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,941
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,903
−HK$978/mo
Today · 4.125%
HK$32,881
baseline
▲ 0.50% · 4.625%
HK$34,882
+HK$2,001/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,762/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,421
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,344
−HK$937/mo
Today · 4.125%
HK$36,281
baseline
▲ 0.50% · 4.625%
HK$38,193
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,562/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,151 · 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).