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$17,211
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,746
−HK$544/mo
Today · 4.125%
HK$18,290
baseline
▲ 0.50% · 4.625%
HK$19,403
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,580/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,147
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,660
−HK$521/mo
Today · 4.125%
HK$20,181
baseline
▲ 0.50% · 4.625%
HK$21,245
+HK$1,064/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,362/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,653
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$653/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,283
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,976
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$625/mo
Today · 4.125%
HK$24,217
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,434/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,095
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$762/mo
Today · 4.125%
HK$25,606
baseline
▲ 0.50% · 4.625%
HK$27,164
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,212/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,805
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$729/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,490/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,979
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,943
−HK$979/mo
Today · 4.125%
HK$32,922
baseline
▲ 0.50% · 4.625%
HK$34,925
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,844/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,464
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,388
−HK$938/mo
Today · 4.125%
HK$36,326
baseline
▲ 0.50% · 4.625%
HK$38,241
+HK$1,915/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,652/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,430 · 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).