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$17,066
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$540/mo
Today · 4.125%
HK$18,136
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,272/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,985
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$516/mo
Today · 4.125%
HK$20,011
baseline
▲ 0.50% · 4.625%
HK$21,066
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,022/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,479
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,116
−HK$647/mo
Today · 4.125%
HK$21,763
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,526/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$620/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,892
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,635
−HK$755/mo
Today · 4.125%
HK$25,390
baseline
▲ 0.50% · 4.625%
HK$26,935
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,780/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,579
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$723/mo
Today · 4.125%
HK$28,015
baseline
▲ 0.50% · 4.625%
HK$29,492
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,030/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,718
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,674
−HK$970/mo
Today · 4.125%
HK$32,644
baseline
▲ 0.50% · 4.625%
HK$34,631
+HK$1,987/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$65,288/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,174
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,090
−HK$930/mo
Today · 4.125%
HK$36,020
baseline
▲ 0.50% · 4.625%
HK$37,919
+HK$1,899/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$72,040/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,523 · 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).