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$17,250
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$545/mo
Today · 4.125%
HK$18,332
baseline
▲ 0.50% · 4.625%
HK$19,447
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,664/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,191
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,705
−HK$522/mo
Today · 4.125%
HK$20,227
baseline
▲ 0.50% · 4.625%
HK$21,294
+HK$1,067/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,454/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,700
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$654/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,337
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,029
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$627/mo
Today · 4.125%
HK$24,273
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,546/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,150
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,902
−HK$763/mo
Today · 4.125%
HK$25,665
baseline
▲ 0.50% · 4.625%
HK$27,226
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,330/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,867
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,588
−HK$730/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,050
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,016
−HK$982/mo
Today · 4.125%
HK$32,998
baseline
▲ 0.50% · 4.625%
HK$35,005
+HK$2,007/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$65,996/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,543
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,470
−HK$939/mo
Today · 4.125%
HK$36,409
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,818/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,951 · 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).