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$17,237
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$545/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,433
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,176
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,690
−HK$522/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,278
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,328
−HK$654/mo
Today · 4.125%
HK$21,982
baseline
▲ 0.50% · 4.625%
HK$23,319
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,964/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,011
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$627/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,533
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,132
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,883
−HK$762/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$27,206
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,290/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,847
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,567
−HK$730/mo
Today · 4.125%
HK$28,297
baseline
▲ 0.50% · 4.625%
HK$29,789
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,594/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,027
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,992
−HK$980/mo
Today · 4.125%
HK$32,972
baseline
▲ 0.50% · 4.625%
HK$34,979
+HK$2,007/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,944/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,517
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,443
−HK$939/mo
Today · 4.125%
HK$36,382
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,764/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,779 · 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).