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$17,201
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,736
−HK$544/mo
Today · 4.125%
HK$18,280
baseline
▲ 0.50% · 4.625%
HK$19,392
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,560/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,136
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$520/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,233
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,642
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,284
−HK$652/mo
Today · 4.125%
HK$21,936
baseline
▲ 0.50% · 4.625%
HK$23,271
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,872/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,964
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,579
−HK$625/mo
Today · 4.125%
HK$24,204
baseline
▲ 0.50% · 4.625%
HK$25,480
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,408/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,082
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$761/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$27,149
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$729/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,962
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$978/mo
Today · 4.125%
HK$32,904
baseline
▲ 0.50% · 4.625%
HK$34,906
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,808/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,445
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,369
−HK$937/mo
Today · 4.125%
HK$36,306
baseline
▲ 0.50% · 4.625%
HK$38,220
+HK$1,914/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,612/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,309 · 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).