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$17,775
−HK$545/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$226,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,178
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,692
−HK$522/mo
Today · 4.125%
HK$20,214
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,428/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,687
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,330
−HK$654/mo
Today · 4.125%
HK$21,984
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,337/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$226,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$626/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,536
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,134
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,885
−HK$763/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,208
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,849
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,569
−HK$731/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,030
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,995
−HK$981/mo
Today · 4.125%
HK$32,976
baseline
▲ 0.50% · 4.625%
HK$34,982
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,952/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,520
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,446
−HK$939/mo
Today · 4.125%
HK$36,385
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,770/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,802 · 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).