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$17,064
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,595
−HK$539/mo
Today · 4.125%
HK$18,134
baseline
▲ 0.50% · 4.625%
HK$19,237
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,268/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,984
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$19,493
−HK$516/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,064
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,477
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,114
−HK$647/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$23,085
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,391
−HK$620/mo
Today · 4.125%
HK$24,011
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,022/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,890
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,633
−HK$755/mo
Today · 4.125%
HK$25,388
baseline
▲ 0.50% · 4.625%
HK$26,932
+HK$1,544/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,776/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,577
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$723/mo
Today · 4.125%
HK$28,013
baseline
▲ 0.50% · 4.625%
HK$29,489
+HK$1,476/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,026/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,715
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,671
−HK$970/mo
Today · 4.125%
HK$32,641
baseline
▲ 0.50% · 4.625%
HK$34,627
+HK$1,986/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$65,282/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,170
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,087
−HK$929/mo
Today · 4.125%
HK$36,016
baseline
▲ 0.50% · 4.625%
HK$37,915
+HK$1,899/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$72,032/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,501 · 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).