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$17,208
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,743
−HK$544/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,399
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,574/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,143
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,657
−HK$521/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,241
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,649
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,291
−HK$653/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,279
+HK$1,335/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,972
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,588
−HK$625/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,489
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,091
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$761/mo
Today · 4.125%
HK$25,601
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,202/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,801
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$730/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$979/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,919
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,458
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,382
−HK$938/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,234
+HK$1,914/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,392 · 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).