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$17,243
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,779
−HK$545/mo
Today · 4.125%
HK$18,324
baseline
▲ 0.50% · 4.625%
HK$19,439
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,648/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,182
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,697
−HK$522/mo
Today · 4.125%
HK$20,219
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,438/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,691
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$654/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,338/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,019
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$627/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,541
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,140
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,891
−HK$763/mo
Today · 4.125%
HK$25,654
baseline
▲ 0.50% · 4.625%
HK$27,215
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,308/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,855
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$730/mo
Today · 4.125%
HK$28,306
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,612/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,002
−HK$981/mo
Today · 4.125%
HK$32,983
baseline
▲ 0.50% · 4.625%
HK$34,990
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,966/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,528
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,454
−HK$940/mo
Today · 4.125%
HK$36,394
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$1,918/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,788/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,854 · 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).