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$17,190
−HK$1,078/mo
▼ 0.25% · 3.875%
HK$17,725
−HK$543/mo
Today · 4.125%
HK$18,268
baseline
▲ 0.50% · 4.625%
HK$19,380
+HK$1,112/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$36,536/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,124
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$19,637
−HK$520/mo
Today · 4.125%
HK$20,157
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,063/mo
Deposit HK$3.77M · loan HK$3.77M · min. income ≈ HK$40,314/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,628
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$652/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,334/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$624/mo
Today · 4.125%
HK$24,188
baseline
▲ 0.50% · 4.625%
HK$25,463
+HK$1,275/mo
Deposit HK$3.02M · loan HK$4.52M · min. income ≈ HK$48,376/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$226,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,066
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,815
−HK$760/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$27,132
+HK$1,557/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,773
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,491
−HK$729/mo
Today · 4.125%
HK$28,220
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,487/mo
Deposit HK$2.26M · loan HK$5.28M · min. income ≈ HK$56,440/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,905
−HK$978/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,883
+HK$2,000/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,423
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$937/mo
Today · 4.125%
HK$36,283
baseline
▲ 0.50% · 4.625%
HK$38,195
+HK$1,912/mo
Deposit HK$754K · loan HK$6.78M · min. income ≈ HK$72,566/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$226,161 · 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).