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$17,255
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,791
−HK$546/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,452
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,196
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,711
−HK$522/mo
Today · 4.125%
HK$20,233
baseline
▲ 0.50% · 4.625%
HK$21,299
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,466/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,706
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,350
−HK$654/mo
Today · 4.125%
HK$22,004
baseline
▲ 0.50% · 4.625%
HK$23,343
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,008/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$626/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,559
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,157
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$763/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$731/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,058
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,025
−HK$981/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$35,014
+HK$2,008/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,479
−HK$940/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,339
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,011 · 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).