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$17,254
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,791
−HK$545/mo
Today · 4.125%
HK$18,336
baseline
▲ 0.50% · 4.625%
HK$19,452
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,672/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,195
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,710
−HK$522/mo
Today · 4.125%
HK$20,232
baseline
▲ 0.50% · 4.625%
HK$21,299
+HK$1,067/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,464/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,705
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,349
−HK$654/mo
Today · 4.125%
HK$22,003
baseline
▲ 0.50% · 4.625%
HK$23,342
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,006/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$627/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,558
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,156
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$764/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$731/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,057
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$981/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$2,008/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$940/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$1,919/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,003 · 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).