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$17,197
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,732
−HK$544/mo
Today · 4.125%
HK$18,276
baseline
▲ 0.50% · 4.625%
HK$19,388
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,552/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$19,645
−HK$521/mo
Today · 4.125%
HK$20,166
baseline
▲ 0.50% · 4.625%
HK$21,229
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,332/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,637
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,279
−HK$652/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,958
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,574
−HK$625/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,474
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,076
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$761/mo
Today · 4.125%
HK$25,586
baseline
▲ 0.50% · 4.625%
HK$27,143
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,172/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,785
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,503
−HK$729/mo
Today · 4.125%
HK$28,232
baseline
▲ 0.50% · 4.625%
HK$29,720
+HK$1,488/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,464/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,955
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,918
−HK$978/mo
Today · 4.125%
HK$32,896
baseline
▲ 0.50% · 4.625%
HK$34,898
+HK$2,002/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,792/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,437
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,361
−HK$937/mo
Today · 4.125%
HK$36,298
baseline
▲ 0.50% · 4.625%
HK$38,211
+HK$1,913/mo
Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$72,596/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,256 · 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).