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$17,228
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,764
−HK$545/mo
Today · 4.125%
HK$18,309
baseline
▲ 0.50% · 4.625%
HK$19,423
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,618/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,166
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,680
−HK$522/mo
Today · 4.125%
HK$20,202
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,404/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,674
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,317
−HK$653/mo
Today · 4.125%
HK$21,970
baseline
▲ 0.50% · 4.625%
HK$23,307
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,940/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,000
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$626/mo
Today · 4.125%
HK$24,242
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,484/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,120
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,870
−HK$762/mo
Today · 4.125%
HK$25,632
baseline
▲ 0.50% · 4.625%
HK$27,192
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,264/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,833
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,553
−HK$730/mo
Today · 4.125%
HK$28,283
baseline
▲ 0.50% · 4.625%
HK$29,773
+HK$1,490/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,566/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,011
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,976
−HK$980/mo
Today · 4.125%
HK$32,956
baseline
▲ 0.50% · 4.625%
HK$34,961
+HK$2,005/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,912/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,499
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,425
−HK$938/mo
Today · 4.125%
HK$36,363
baseline
▲ 0.50% · 4.625%
HK$38,280
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,726/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,664 · 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).