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$17,238
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$544/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,434
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$522/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,279
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,686
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$653/mo
Today · 4.125%
HK$21,983
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,338/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,966/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$626/mo
Today · 4.125%
HK$24,256
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,512/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,134
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,884
−HK$763/mo
Today · 4.125%
HK$25,647
baseline
▲ 0.50% · 4.625%
HK$27,208
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,294/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,849
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,569
−HK$730/mo
Today · 4.125%
HK$28,299
baseline
▲ 0.50% · 4.625%
HK$29,791
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,598/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,029
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$981/mo
Today · 4.125%
HK$32,975
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,950/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,520
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$940/mo
Today · 4.125%
HK$36,385
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,770/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,796 · 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).