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$17,226
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$544/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,420
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,164
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,678
−HK$521/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,671
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,314
−HK$654/mo
Today · 4.125%
HK$21,968
baseline
▲ 0.50% · 4.625%
HK$23,304
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,936/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,997
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,613
−HK$626/mo
Today · 4.125%
HK$24,239
baseline
▲ 0.50% · 4.625%
HK$25,517
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,478/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,867
−HK$762/mo
Today · 4.125%
HK$25,629
baseline
▲ 0.50% · 4.625%
HK$27,188
+HK$1,559/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,258/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$730/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$29,770
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,007
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,971
−HK$980/mo
Today · 4.125%
HK$32,951
baseline
▲ 0.50% · 4.625%
HK$34,956
+HK$2,005/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,902/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,495
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,420
−HK$939/mo
Today · 4.125%
HK$36,359
baseline
▲ 0.50% · 4.625%
HK$38,275
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,718/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,634 · 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).