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$17,126
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$541/mo
Today · 4.125%
HK$18,200
baseline
▲ 0.50% · 4.625%
HK$19,307
+HK$1,107/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,400/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,052
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$519/mo
Today · 4.125%
HK$20,082
baseline
▲ 0.50% · 4.625%
HK$21,140
+HK$1,058/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,164/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,551
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,190
−HK$650/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$23,169
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,863
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,476
−HK$622/mo
Today · 4.125%
HK$24,098
baseline
▲ 0.50% · 4.625%
HK$25,368
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,196/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,976
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$758/mo
Today · 4.125%
HK$25,480
baseline
▲ 0.50% · 4.625%
HK$27,030
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,960/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,389
−HK$725/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,596
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,826
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$975/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,753
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,214
−HK$933/mo
Today · 4.125%
HK$36,147
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,294/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,315 · 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).