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$17,076
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$540/mo
Today · 4.125%
HK$18,147
baseline
▲ 0.50% · 4.625%
HK$19,251
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,294/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,997
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$517/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,079
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$648/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,325/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,408
−HK$620/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,907
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,650
−HK$756/mo
Today · 4.125%
HK$25,406
baseline
▲ 0.50% · 4.625%
HK$26,952
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,812/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$724/mo
Today · 4.125%
HK$28,033
baseline
▲ 0.50% · 4.625%
HK$29,511
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,066/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,737
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$972/mo
Today · 4.125%
HK$32,665
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,330/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,195
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,112
−HK$930/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$37,942
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,664 · 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).