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$17,246
−HK$1,081/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$226,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,186
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,700
−HK$522/mo
Today · 4.125%
HK$20,222
baseline
▲ 0.50% · 4.625%
HK$21,288
+HK$1,066/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$226,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,695
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$654/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,331
+HK$1,339/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$226,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$627/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,546
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,144
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$763/mo
Today · 4.125%
HK$25,658
baseline
▲ 0.50% · 4.625%
HK$27,219
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,316/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,860
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,580
−HK$731/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$29,803
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,042
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,008
−HK$981/mo
Today · 4.125%
HK$32,989
baseline
▲ 0.50% · 4.625%
HK$34,996
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,978/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,534
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,460
−HK$940/mo
Today · 4.125%
HK$36,400
baseline
▲ 0.50% · 4.625%
HK$38,319
+HK$1,919/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,800/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,891 · 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).