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$17,248
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,784
−HK$545/mo
Today · 4.125%
HK$18,329
baseline
▲ 0.50% · 4.625%
HK$19,445
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,658/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,188
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$522/mo
Today · 4.125%
HK$20,225
baseline
▲ 0.50% · 4.625%
HK$21,291
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,450/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,697
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,341
−HK$654/mo
Today · 4.125%
HK$21,995
baseline
▲ 0.50% · 4.625%
HK$23,334
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,990/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,026
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,643
−HK$627/mo
Today · 4.125%
HK$24,270
baseline
▲ 0.50% · 4.625%
HK$25,549
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,540/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,147
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,898
−HK$763/mo
Today · 4.125%
HK$25,661
baseline
▲ 0.50% · 4.625%
HK$27,222
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,322/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,863
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,584
−HK$730/mo
Today · 4.125%
HK$28,314
baseline
▲ 0.50% · 4.625%
HK$29,807
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,628/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,012
−HK$981/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$35,000
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,538
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$939/mo
Today · 4.125%
HK$36,404
baseline
▲ 0.50% · 4.625%
HK$38,323
+HK$1,919/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,808/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,919 · 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).