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$17,225
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,761
−HK$544/mo
Today · 4.125%
HK$18,305
baseline
▲ 0.50% · 4.625%
HK$19,419
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,610/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,163
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$521/mo
Today · 4.125%
HK$20,198
baseline
▲ 0.50% · 4.625%
HK$21,263
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,396/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,670
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,313
−HK$653/mo
Today · 4.125%
HK$21,966
baseline
▲ 0.50% · 4.625%
HK$23,303
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,932/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,995
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,612
−HK$626/mo
Today · 4.125%
HK$24,238
baseline
▲ 0.50% · 4.625%
HK$25,515
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,476/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,115
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,865
−HK$762/mo
Today · 4.125%
HK$25,627
baseline
▲ 0.50% · 4.625%
HK$27,187
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,254/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,828
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,547
−HK$730/mo
Today · 4.125%
HK$28,277
baseline
▲ 0.50% · 4.625%
HK$29,768
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,554/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,005
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,970
−HK$980/mo
Today · 4.125%
HK$32,950
baseline
▲ 0.50% · 4.625%
HK$34,954
+HK$2,004/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,900/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,493
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$939/mo
Today · 4.125%
HK$36,357
baseline
▲ 0.50% · 4.625%
HK$38,273
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,714/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,621 · 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).