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$17,231
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,767
−HK$545/mo
Today · 4.125%
HK$18,312
baseline
▲ 0.50% · 4.625%
HK$19,426
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,624/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,170
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$521/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,270
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,678
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,321
−HK$653/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,004
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$625/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,525
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,124
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,874
−HK$763/mo
Today · 4.125%
HK$25,637
baseline
▲ 0.50% · 4.625%
HK$27,197
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,274/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,838
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,557
−HK$731/mo
Today · 4.125%
HK$28,288
baseline
▲ 0.50% · 4.625%
HK$29,779
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,576/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,016
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,981
−HK$980/mo
Today · 4.125%
HK$32,961
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,922/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,505
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$939/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,287
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,703 · 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).