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$17,072
−HK$1,070/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$539/mo
Today · 4.125%
HK$18,142
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$1,104/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,284/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,992
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,502
−HK$516/mo
Today · 4.125%
HK$20,018
baseline
▲ 0.50% · 4.625%
HK$21,073
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,036/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,486
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,123
−HK$648/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,791
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,402
−HK$620/mo
Today · 4.125%
HK$24,022
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,044/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,900
−HK$1,499/mo
▼ 0.25% · 3.875%
HK$24,644
−HK$755/mo
Today · 4.125%
HK$25,399
baseline
▲ 0.50% · 4.625%
HK$26,945
+HK$1,546/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,798/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,589
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$724/mo
Today · 4.125%
HK$28,026
baseline
▲ 0.50% · 4.625%
HK$29,503
+HK$1,477/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,052/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,729
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,685
−HK$971/mo
Today · 4.125%
HK$32,656
baseline
▲ 0.50% · 4.625%
HK$34,643
+HK$1,987/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$65,312/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$930/mo
Today · 4.125%
HK$36,033
baseline
▲ 0.50% · 4.625%
HK$37,932
+HK$1,899/mo
Deposit HK$749K · loan HK$6.74M · min. income ≈ HK$72,066/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,604 · 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).