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$17,192
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,727
−HK$543/mo
Today · 4.125%
HK$18,270
baseline
▲ 0.50% · 4.625%
HK$19,382
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,540/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,126
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,639
−HK$520/mo
Today · 4.125%
HK$20,159
baseline
▲ 0.50% · 4.625%
HK$21,222
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,318/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,630
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,272
−HK$652/mo
Today · 4.125%
HK$21,924
baseline
▲ 0.50% · 4.625%
HK$23,258
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,848/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,951
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$624/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,466
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,069
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,817
−HK$761/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$27,134
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,776
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$729/mo
Today · 4.125%
HK$28,223
baseline
▲ 0.50% · 4.625%
HK$29,710
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,446/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$978/mo
Today · 4.125%
HK$32,886
baseline
▲ 0.50% · 4.625%
HK$34,887
+HK$2,001/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,772/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,350
−HK$936/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,199
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,184 · 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).