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$17,193
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,728
−HK$544/mo
Today · 4.125%
HK$18,272
baseline
▲ 0.50% · 4.625%
HK$19,383
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,544/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,127
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,640
−HK$521/mo
Today · 4.125%
HK$20,161
baseline
▲ 0.50% · 4.625%
HK$21,224
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,322/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,632
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$652/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,953
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,569
−HK$624/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,468
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,071
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,819
−HK$761/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,778
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$728/mo
Today · 4.125%
HK$28,225
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,450/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,948
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$978/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$2,001/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,429
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,353
−HK$937/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,202
+HK$1,912/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,204 · 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).