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$17,219
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,754
−HK$544/mo
Today · 4.125%
HK$18,298
baseline
▲ 0.50% · 4.625%
HK$19,412
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,596/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,156
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$522/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,064/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,662
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$653/mo
Today · 4.125%
HK$21,958
baseline
▲ 0.50% · 4.625%
HK$23,294
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,916/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,987
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$626/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,106
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,856
−HK$762/mo
Today · 4.125%
HK$25,618
baseline
▲ 0.50% · 4.625%
HK$27,177
+HK$1,559/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,236/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,818
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,537
−HK$730/mo
Today · 4.125%
HK$28,267
baseline
▲ 0.50% · 4.625%
HK$29,757
+HK$1,490/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,534/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,994
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,958
−HK$979/mo
Today · 4.125%
HK$32,937
baseline
▲ 0.50% · 4.625%
HK$34,941
+HK$2,004/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,874/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,480
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,405
−HK$938/mo
Today · 4.125%
HK$36,343
baseline
▲ 0.50% · 4.625%
HK$38,259
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,686/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,537 · 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).