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$17,229
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$545/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,424
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,681
−HK$522/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,268
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,675
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,318
−HK$653/mo
Today · 4.125%
HK$21,971
baseline
▲ 0.50% · 4.625%
HK$23,308
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,942/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,617
−HK$626/mo
Today · 4.125%
HK$24,243
baseline
▲ 0.50% · 4.625%
HK$25,521
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,486/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$762/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,266/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,554
−HK$730/mo
Today · 4.125%
HK$28,284
baseline
▲ 0.50% · 4.625%
HK$29,775
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,568/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,012
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,977
−HK$980/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,962
+HK$2,005/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,501
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,426
−HK$939/mo
Today · 4.125%
HK$36,365
baseline
▲ 0.50% · 4.625%
HK$38,282
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,730/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,674 · 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).