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$17,195
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$544/mo
Today · 4.125%
HK$18,273
baseline
▲ 0.50% · 4.625%
HK$19,385
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,546/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,129
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,642
−HK$520/mo
Today · 4.125%
HK$20,162
baseline
▲ 0.50% · 4.625%
HK$21,225
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,324/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,634
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,275
−HK$652/mo
Today · 4.125%
HK$21,927
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,854/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,570
−HK$625/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,470
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,072
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$761/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$27,139
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,780
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$728/mo
Today · 4.125%
HK$28,227
baseline
▲ 0.50% · 4.625%
HK$29,715
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,454/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,950
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,913
−HK$978/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,432
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$937/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,205
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,220 · 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).