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$17,222
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,757
−HK$544/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,415
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,159
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,673
−HK$521/mo
Today · 4.125%
HK$20,194
baseline
▲ 0.50% · 4.625%
HK$21,258
+HK$1,064/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,388/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,666
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$653/mo
Today · 4.125%
HK$21,962
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,924/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$626/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,110
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,860
−HK$762/mo
Today · 4.125%
HK$25,622
baseline
▲ 0.50% · 4.625%
HK$27,181
+HK$1,559/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,244/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,542
−HK$729/mo
Today · 4.125%
HK$28,271
baseline
▲ 0.50% · 4.625%
HK$29,762
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,542/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,999
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,963
−HK$980/mo
Today · 4.125%
HK$32,943
baseline
▲ 0.50% · 4.625%
HK$34,947
+HK$2,004/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,886/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,486
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,411
−HK$938/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,265
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,574 · 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).