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$17,257
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,794
−HK$545/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,455
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,678/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,198
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,713
−HK$522/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,302
+HK$1,067/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,708
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,352
−HK$655/mo
Today · 4.125%
HK$22,007
baseline
▲ 0.50% · 4.625%
HK$23,346
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,014/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,038
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,655
−HK$627/mo
Today · 4.125%
HK$24,282
baseline
▲ 0.50% · 4.625%
HK$25,562
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,564/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,160
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,911
−HK$764/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$731/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,062
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,028
−HK$982/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$35,019
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,483
−HK$940/mo
Today · 4.125%
HK$36,423
baseline
▲ 0.50% · 4.625%
HK$38,343
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,846/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,038 · 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).