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$17,239
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$544/mo
Today · 4.125%
HK$18,320
baseline
▲ 0.50% · 4.625%
HK$19,435
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,640/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,693
−HK$522/mo
Today · 4.125%
HK$20,215
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,430/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$653/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,322
+HK$1,338/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,968/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$626/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,135
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$763/mo
Today · 4.125%
HK$25,649
baseline
▲ 0.50% · 4.625%
HK$27,209
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,298/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,570
−HK$731/mo
Today · 4.125%
HK$28,301
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,602/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,031
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,996
−HK$981/mo
Today · 4.125%
HK$32,977
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,954/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,447
−HK$940/mo
Today · 4.125%
HK$36,387
baseline
▲ 0.50% · 4.625%
HK$38,305
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,774/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,808 · 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).