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$17,228
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,764
−HK$544/mo
Today · 4.125%
HK$18,308
baseline
▲ 0.50% · 4.625%
HK$19,422
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,616/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,166
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,680
−HK$521/mo
Today · 4.125%
HK$20,201
baseline
▲ 0.50% · 4.625%
HK$21,266
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,402/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,673
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$654/mo
Today · 4.125%
HK$21,970
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,940/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,999
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$626/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,119
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,869
−HK$762/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$27,191
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,832
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,551
−HK$730/mo
Today · 4.125%
HK$28,281
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,562/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,010
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,974
−HK$980/mo
Today · 4.125%
HK$32,954
baseline
▲ 0.50% · 4.625%
HK$34,959
+HK$2,005/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,908/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,498
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,423
−HK$939/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,279
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,654 · 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).