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$17,233
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,769
−HK$544/mo
Today · 4.125%
HK$18,313
baseline
▲ 0.50% · 4.625%
HK$19,428
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,626/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,171
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,685
−HK$522/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,272
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,679
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$653/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,313
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,623
−HK$625/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,876
−HK$763/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$730/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,019
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,984
−HK$980/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,970
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,508
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,434
−HK$939/mo
Today · 4.125%
HK$36,373
baseline
▲ 0.50% · 4.625%
HK$38,290
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,746/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,722 · 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).