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$17,066
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,597
−HK$540/mo
Today · 4.125%
HK$18,137
baseline
▲ 0.50% · 4.625%
HK$19,240
+HK$1,103/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$36,274/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,986
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$517/mo
Today · 4.125%
HK$20,012
baseline
▲ 0.50% · 4.625%
HK$21,067
+HK$1,055/mo
Deposit HK$3.74M · loan HK$3.74M · min. income ≈ HK$40,024/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,480
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$647/mo
Today · 4.125%
HK$21,764
baseline
▲ 0.50% · 4.625%
HK$23,088
+HK$1,324/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$43,528/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,783
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,394
−HK$620/mo
Today · 4.125%
HK$24,014
baseline
▲ 0.50% · 4.625%
HK$25,280
+HK$1,266/mo
Deposit HK$2.99M · loan HK$4.49M · min. income ≈ HK$48,028/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,893
−HK$1,498/mo
▼ 0.25% · 3.875%
HK$24,636
−HK$755/mo
Today · 4.125%
HK$25,391
baseline
▲ 0.50% · 4.625%
HK$26,936
+HK$1,545/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$50,782/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,581
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$27,293
−HK$724/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,493
+HK$1,476/mo
Deposit HK$2.25M · loan HK$5.24M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,719
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,675
−HK$971/mo
Today · 4.125%
HK$32,646
baseline
▲ 0.50% · 4.625%
HK$34,632
+HK$1,986/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$65,292/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,175
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,092
−HK$929/mo
Today · 4.125%
HK$36,021
baseline
▲ 0.50% · 4.625%
HK$37,920
+HK$1,899/mo
Deposit HK$748K · loan HK$6.74M · min. income ≈ HK$72,042/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$224,532 · 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).