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$17,241
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,777
−HK$545/mo
Today · 4.125%
HK$18,322
baseline
▲ 0.50% · 4.625%
HK$19,437
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,644/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,180
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,694
−HK$522/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,689
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,332
−HK$654/mo
Today · 4.125%
HK$21,986
baseline
▲ 0.50% · 4.625%
HK$23,324
+HK$1,338/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,972/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,016
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$626/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,538
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,137
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,888
−HK$762/mo
Today · 4.125%
HK$25,650
baseline
▲ 0.50% · 4.625%
HK$27,211
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,300/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,852
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,572
−HK$731/mo
Today · 4.125%
HK$28,303
baseline
▲ 0.50% · 4.625%
HK$29,795
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,606/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$981/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$2,007/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,524
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,450
−HK$939/mo
Today · 4.125%
HK$36,389
baseline
▲ 0.50% · 4.625%
HK$38,307
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,778/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,825 · 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).