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$17,194
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,729
−HK$543/mo
Today · 4.125%
HK$18,272
baseline
▲ 0.50% · 4.625%
HK$19,384
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,544/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,128
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,641
−HK$520/mo
Today · 4.125%
HK$20,161
baseline
▲ 0.50% · 4.625%
HK$21,224
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,322/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$652/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,953
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,569
−HK$625/mo
Today · 4.125%
HK$24,194
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,388/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,071
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$761/mo
Today · 4.125%
HK$25,581
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,162/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,779
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$729/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,949
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$978/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,430
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,354
−HK$936/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,209 · 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).