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$17,077
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,608
−HK$540/mo
Today · 4.125%
HK$18,148
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,998
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,507
−HK$517/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,080
+HK$1,056/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$224,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,130
−HK$647/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$224,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$620/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,296
+HK$1,267/mo
Deposit HK$3.00M · loan HK$4.49M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,908
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,651
−HK$756/mo
Today · 4.125%
HK$25,407
baseline
▲ 0.50% · 4.625%
HK$26,953
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,814/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,310
−HK$724/mo
Today · 4.125%
HK$28,034
baseline
▲ 0.50% · 4.625%
HK$29,512
+HK$1,478/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,068/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,738
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,695
−HK$971/mo
Today · 4.125%
HK$32,666
baseline
▲ 0.50% · 4.625%
HK$34,654
+HK$1,988/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,332/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,196
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,113
−HK$931/mo
Today · 4.125%
HK$36,044
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,088/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$224,672 · 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).