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$17,129
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,662
−HK$541/mo
Today · 4.125%
HK$18,203
baseline
▲ 0.50% · 4.625%
HK$19,311
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,406/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,567
−HK$519/mo
Today · 4.125%
HK$20,086
baseline
▲ 0.50% · 4.625%
HK$21,144
+HK$1,058/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,172/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,555
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$650/mo
Today · 4.125%
HK$21,844
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,688/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,481
−HK$622/mo
Today · 4.125%
HK$24,103
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,206/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,981
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,727
−HK$758/mo
Today · 4.125%
HK$25,485
baseline
▲ 0.50% · 4.625%
HK$27,035
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,970/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,394
−HK$726/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,602
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,833
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,792
−HK$974/mo
Today · 4.125%
HK$32,766
baseline
▲ 0.50% · 4.625%
HK$34,760
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,532/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,301
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,221
−HK$933/mo
Today · 4.125%
HK$36,154
baseline
▲ 0.50% · 4.625%
HK$38,060
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,308/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,360 · 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).