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$17,242
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$545/mo
Today · 4.125%
HK$18,323
baseline
▲ 0.50% · 4.625%
HK$19,438
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,646/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,181
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$522/mo
Today · 4.125%
HK$20,218
baseline
▲ 0.50% · 4.625%
HK$21,283
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,436/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,690
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,334
−HK$654/mo
Today · 4.125%
HK$21,988
baseline
▲ 0.50% · 4.625%
HK$23,325
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,976/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,018
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$626/mo
Today · 4.125%
HK$24,261
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,522/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$763/mo
Today · 4.125%
HK$25,652
baseline
▲ 0.50% · 4.625%
HK$27,213
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,304/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,854
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,574
−HK$731/mo
Today · 4.125%
HK$28,305
baseline
▲ 0.50% · 4.625%
HK$29,797
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,610/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$981/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,988
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$940/mo
Today · 4.125%
HK$36,392
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$1,918/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,784/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,840 · 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).