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$17,070
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$540/mo
Today · 4.125%
HK$18,141
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,282/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,990
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,500
−HK$516/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,484
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$648/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,788
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,400
−HK$620/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,286
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,898
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,642
−HK$755/mo
Today · 4.125%
HK$25,397
baseline
▲ 0.50% · 4.625%
HK$26,942
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,794/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,586
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,299
−HK$724/mo
Today · 4.125%
HK$28,023
baseline
▲ 0.50% · 4.625%
HK$29,500
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,046/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,726
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,682
−HK$971/mo
Today · 4.125%
HK$32,653
baseline
▲ 0.50% · 4.625%
HK$34,640
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,306/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,183
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,099
−HK$930/mo
Today · 4.125%
HK$36,029
baseline
▲ 0.50% · 4.625%
HK$37,929
+HK$1,900/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,058/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,582 · 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).