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$17,658
−HK$542/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$225,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,052
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$518/mo
Today · 4.125%
HK$20,081
baseline
▲ 0.50% · 4.625%
HK$21,140
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,162/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,551
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,190
−HK$649/mo
Today · 4.125%
HK$21,839
baseline
▲ 0.50% · 4.625%
HK$23,168
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,678/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,862
−HK$1,236/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$225,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,976
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,722
−HK$757/mo
Today · 4.125%
HK$25,479
baseline
▲ 0.50% · 4.625%
HK$27,030
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,958/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,673
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$726/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$225,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,826
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$974/mo
Today · 4.125%
HK$32,759
baseline
▲ 0.50% · 4.625%
HK$34,752
+HK$1,993/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,518/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,213
−HK$933/mo
Today · 4.125%
HK$36,146
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,292/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,312 · 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).