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$17,128
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,661
−HK$541/mo
Today · 4.125%
HK$18,202
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$1,108/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,404/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,055
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$19,566
−HK$518/mo
Today · 4.125%
HK$20,084
baseline
▲ 0.50% · 4.625%
HK$21,143
+HK$1,059/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,168/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,554
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$650/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,866
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$622/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,271/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,980
−HK$1,503/mo
▼ 0.25% · 3.875%
HK$24,725
−HK$758/mo
Today · 4.125%
HK$25,483
baseline
▲ 0.50% · 4.625%
HK$27,034
+HK$1,551/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,966/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,677
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$27,392
−HK$726/mo
Today · 4.125%
HK$28,118
baseline
▲ 0.50% · 4.625%
HK$29,600
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,236/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,831
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,790
−HK$974/mo
Today · 4.125%
HK$32,764
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,528/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,299
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,219
−HK$933/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,058
+HK$1,906/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$225,347 · 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).