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$17,258
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$545/mo
Today · 4.125%
HK$18,340
baseline
▲ 0.50% · 4.625%
HK$19,456
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,680/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,199
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,714
−HK$522/mo
Today · 4.125%
HK$20,236
baseline
▲ 0.50% · 4.625%
HK$21,303
+HK$1,067/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,472/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,709
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,354
−HK$654/mo
Today · 4.125%
HK$22,008
baseline
▲ 0.50% · 4.625%
HK$23,347
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,016/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,039
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,657
−HK$627/mo
Today · 4.125%
HK$24,284
baseline
▲ 0.50% · 4.625%
HK$25,564
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,568/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,161
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$763/mo
Today · 4.125%
HK$25,676
baseline
▲ 0.50% · 4.625%
HK$27,238
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,352/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,879
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,600
−HK$731/mo
Today · 4.125%
HK$28,331
baseline
▲ 0.50% · 4.625%
HK$29,824
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,662/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,030
−HK$982/mo
Today · 4.125%
HK$33,012
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,024/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,559
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,485
−HK$941/mo
Today · 4.125%
HK$36,426
baseline
▲ 0.50% · 4.625%
HK$38,346
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,852/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,052 · 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).