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$17,230
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,766
−HK$545/mo
Today · 4.125%
HK$18,311
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,622/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,168
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,682
−HK$522/mo
Today · 4.125%
HK$20,204
baseline
▲ 0.50% · 4.625%
HK$21,269
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,408/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,676
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,319
−HK$654/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,310
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$626/mo
Today · 4.125%
HK$24,245
baseline
▲ 0.50% · 4.625%
HK$25,523
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,490/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,872
−HK$763/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$730/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$29,776
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,014
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,979
−HK$980/mo
Today · 4.125%
HK$32,959
baseline
▲ 0.50% · 4.625%
HK$34,964
+HK$2,005/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,918/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$939/mo
Today · 4.125%
HK$36,367
baseline
▲ 0.50% · 4.625%
HK$38,284
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,734/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,686 · 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).