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$17,245
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$545/mo
Today · 4.125%
HK$18,327
baseline
▲ 0.50% · 4.625%
HK$19,442
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,654/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,185
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$522/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,287
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,444/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,694
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$654/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,338/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,022
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$627/mo
Today · 4.125%
HK$24,266
baseline
▲ 0.50% · 4.625%
HK$25,545
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,532/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,143
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,894
−HK$763/mo
Today · 4.125%
HK$25,657
baseline
▲ 0.50% · 4.625%
HK$27,218
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,314/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,859
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,579
−HK$731/mo
Today · 4.125%
HK$28,310
baseline
▲ 0.50% · 4.625%
HK$29,802
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,620/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,041
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,007
−HK$981/mo
Today · 4.125%
HK$32,988
baseline
▲ 0.50% · 4.625%
HK$34,995
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,976/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,533
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,459
−HK$940/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,317
+HK$1,918/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,884 · 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).