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$17,209
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,744
−HK$544/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,401
+HK$1,113/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,658
−HK$521/mo
Today · 4.125%
HK$20,179
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,358/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,650
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$652/mo
Today · 4.125%
HK$21,945
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,890/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,973
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$625/mo
Today · 4.125%
HK$24,215
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,276/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,430/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,092
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$761/mo
Today · 4.125%
HK$25,603
baseline
▲ 0.50% · 4.625%
HK$27,161
+HK$1,558/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,206/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,802
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,521
−HK$729/mo
Today · 4.125%
HK$28,250
baseline
▲ 0.50% · 4.625%
HK$29,739
+HK$1,489/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,500/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,976
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,939
−HK$979/mo
Today · 4.125%
HK$32,918
baseline
▲ 0.50% · 4.625%
HK$34,921
+HK$2,003/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$65,836/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,460
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$938/mo
Today · 4.125%
HK$36,322
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$1,914/mo
Deposit HK$755K · loan HK$6.79M · min. income ≈ HK$72,644/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,405 · 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).