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$17,179
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$543/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,367
+HK$1,110/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,112
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,624
−HK$520/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,206
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,615
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$652/mo
Today · 4.125%
HK$21,908
baseline
▲ 0.50% · 4.625%
HK$23,241
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,816/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$624/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,051
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$760/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$27,114
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,757
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,474
−HK$728/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,923
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,885
−HK$977/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,861
+HK$1,999/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$226,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,401
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,324
−HK$936/mo
Today · 4.125%
HK$36,260
baseline
▲ 0.50% · 4.625%
HK$38,171
+HK$1,911/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,520/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$226,019 · 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).