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$17,183
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,718
−HK$543/mo
Today · 4.125%
HK$18,261
baseline
▲ 0.50% · 4.625%
HK$19,372
+HK$1,111/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,522/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,116
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,629
−HK$520/mo
Today · 4.125%
HK$20,149
baseline
▲ 0.50% · 4.625%
HK$21,211
+HK$1,062/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,298/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$226,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,620
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$652/mo
Today · 4.125%
HK$21,913
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,333/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,826/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,555
−HK$624/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,274/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,056
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$760/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$27,121
+HK$1,556/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$729/mo
Today · 4.125%
HK$28,209
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,486/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,418/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,930
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,892
−HK$977/mo
Today · 4.125%
HK$32,869
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,738/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,409
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,332
−HK$936/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,180
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,070 · 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).