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$17,127
−HK$1,074/mo
▼ 0.25% · 3.875%
HK$17,659
−HK$542/mo
Today · 4.125%
HK$18,201
baseline
▲ 0.50% · 4.625%
HK$19,308
+HK$1,107/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,402/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,053
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$19,564
−HK$519/mo
Today · 4.125%
HK$20,083
baseline
▲ 0.50% · 4.625%
HK$21,141
+HK$1,058/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,166/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$225,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,552
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$650/mo
Today · 4.125%
HK$21,841
baseline
▲ 0.50% · 4.625%
HK$23,170
+HK$1,329/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$43,682/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,864
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,477
−HK$622/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,369
+HK$1,270/mo
Deposit HK$3.00M · loan HK$4.51M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,977
−HK$1,504/mo
▼ 0.25% · 3.875%
HK$24,723
−HK$758/mo
Today · 4.125%
HK$25,481
baseline
▲ 0.50% · 4.625%
HK$27,031
+HK$1,550/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$50,962/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,674
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$726/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,598
+HK$1,482/mo
Deposit HK$2.25M · loan HK$5.26M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,828
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,787
−HK$974/mo
Today · 4.125%
HK$32,761
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,994/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$65,522/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,296
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,216
−HK$933/mo
Today · 4.125%
HK$36,149
baseline
▲ 0.50% · 4.625%
HK$38,054
+HK$1,905/mo
Deposit HK$751K · loan HK$6.76M · min. income ≈ HK$72,298/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$225,325 · 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).