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$17,233
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,769
−HK$545/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,428
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,172
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,686
−HK$521/mo
Today · 4.125%
HK$20,207
baseline
▲ 0.50% · 4.625%
HK$21,273
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,414/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,680
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,323
−HK$654/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,623
−HK$626/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,527
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$762/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$730/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,020
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,985
−HK$980/mo
Today · 4.125%
HK$32,965
baseline
▲ 0.50% · 4.625%
HK$34,971
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,930/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,509
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$938/mo
Today · 4.125%
HK$36,373
baseline
▲ 0.50% · 4.625%
HK$38,291
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,746/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,727 · 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).