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$17,079
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,610
−HK$540/mo
Today · 4.125%
HK$18,150
baseline
▲ 0.50% · 4.625%
HK$19,254
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,300/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,509
−HK$517/mo
Today · 4.125%
HK$20,026
baseline
▲ 0.50% · 4.625%
HK$21,082
+HK$1,056/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,052/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$648/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$23,105
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,800
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$621/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,266/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,910
−HK$1,500/mo
▼ 0.25% · 3.875%
HK$24,654
−HK$756/mo
Today · 4.125%
HK$25,410
baseline
▲ 0.50% · 4.625%
HK$26,956
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,820/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,600
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$724/mo
Today · 4.125%
HK$28,037
baseline
▲ 0.50% · 4.625%
HK$29,515
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,074/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$971/mo
Today · 4.125%
HK$32,669
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,338/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$930/mo
Today · 4.125%
HK$36,047
baseline
▲ 0.50% · 4.625%
HK$37,948
+HK$1,901/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,094/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,695 · 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).