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$17,200
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,735
−HK$544/mo
Today · 4.125%
HK$18,279
baseline
▲ 0.50% · 4.625%
HK$19,391
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,558/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,135
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$521/mo
Today · 4.125%
HK$20,169
baseline
▲ 0.50% · 4.625%
HK$21,232
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,338/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,640
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,282
−HK$653/mo
Today · 4.125%
HK$21,935
baseline
▲ 0.50% · 4.625%
HK$23,269
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,870/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,962
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,578
−HK$625/mo
Today · 4.125%
HK$24,203
baseline
▲ 0.50% · 4.625%
HK$25,478
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,406/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,080
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,829
−HK$761/mo
Today · 4.125%
HK$25,590
baseline
▲ 0.50% · 4.625%
HK$27,148
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,180/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,789
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,508
−HK$729/mo
Today · 4.125%
HK$28,237
baseline
▲ 0.50% · 4.625%
HK$29,725
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,474/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,960
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,924
−HK$978/mo
Today · 4.125%
HK$32,902
baseline
▲ 0.50% · 4.625%
HK$34,904
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,804/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,443
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,367
−HK$937/mo
Today · 4.125%
HK$36,304
baseline
▲ 0.50% · 4.625%
HK$38,218
+HK$1,914/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,608/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,294 · 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).