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$17,185
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,719
−HK$544/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,374
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,526/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,118
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$520/mo
Today · 4.125%
HK$20,151
baseline
▲ 0.50% · 4.625%
HK$21,213
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,302/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,622
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$652/mo
Today · 4.125%
HK$21,915
baseline
▲ 0.50% · 4.625%
HK$23,249
+HK$1,334/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,830/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,942
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,557
−HK$624/mo
Today · 4.125%
HK$24,181
baseline
▲ 0.50% · 4.625%
HK$25,456
+HK$1,275/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,362/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,059
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$761/mo
Today · 4.125%
HK$25,568
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,555/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,136/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,765
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,483
−HK$728/mo
Today · 4.125%
HK$28,211
baseline
▲ 0.50% · 4.625%
HK$29,698
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,422/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,933
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$978/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$937/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,093 · 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).