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$17,259
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$546/mo
Today · 4.125%
HK$18,342
baseline
▲ 0.50% · 4.625%
HK$19,458
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,684/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,201
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,716
−HK$522/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,305
+HK$1,067/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,711
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$655/mo
Today · 4.125%
HK$22,010
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,020/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,041
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,659
−HK$627/mo
Today · 4.125%
HK$24,286
baseline
▲ 0.50% · 4.625%
HK$25,566
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,572/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,163
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$764/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,241
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,881
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,602
−HK$731/mo
Today · 4.125%
HK$28,333
baseline
▲ 0.50% · 4.625%
HK$29,827
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,666/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,067
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,033
−HK$982/mo
Today · 4.125%
HK$33,015
baseline
▲ 0.50% · 4.625%
HK$35,024
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,030/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,561
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$940/mo
Today · 4.125%
HK$36,428
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$1,921/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,856/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,070 · 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).