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$17,070
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$539/mo
Today · 4.125%
HK$18,140
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,280/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,990
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,499
−HK$517/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,484
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$647/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,325/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,788
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$620/mo
Today · 4.125%
HK$24,019
baseline
▲ 0.50% · 4.625%
HK$25,285
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,038/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,898
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,641
−HK$755/mo
Today · 4.125%
HK$25,396
baseline
▲ 0.50% · 4.625%
HK$26,941
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,792/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,586
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,299
−HK$723/mo
Today · 4.125%
HK$28,022
baseline
▲ 0.50% · 4.625%
HK$29,499
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,044/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,725
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,681
−HK$971/mo
Today · 4.125%
HK$32,652
baseline
▲ 0.50% · 4.625%
HK$34,639
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,304/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,182
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,098
−HK$930/mo
Today · 4.125%
HK$36,028
baseline
▲ 0.50% · 4.625%
HK$37,928
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,056/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,576 · 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).