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$17,224
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,760
−HK$544/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,418
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,608/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,161
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,675
−HK$522/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,261
+HK$1,064/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,669
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,311
−HK$654/mo
Today · 4.125%
HK$21,965
baseline
▲ 0.50% · 4.625%
HK$23,301
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,930/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,994
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$626/mo
Today · 4.125%
HK$24,236
baseline
▲ 0.50% · 4.625%
HK$25,513
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,472/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,113
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,863
−HK$762/mo
Today · 4.125%
HK$25,625
baseline
▲ 0.50% · 4.625%
HK$27,185
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,250/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,826
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,545
−HK$730/mo
Today · 4.125%
HK$28,275
baseline
▲ 0.50% · 4.625%
HK$29,766
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,550/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,003
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,967
−HK$980/mo
Today · 4.125%
HK$32,947
baseline
▲ 0.50% · 4.625%
HK$34,952
+HK$2,005/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,894/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,490
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,415
−HK$939/mo
Today · 4.125%
HK$36,354
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,708/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,604 · 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).