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$17,231
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,767
−HK$544/mo
Today · 4.125%
HK$18,311
baseline
▲ 0.50% · 4.625%
HK$19,425
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,622/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,169
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,683
−HK$522/mo
Today · 4.125%
HK$20,205
baseline
▲ 0.50% · 4.625%
HK$21,270
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,410/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,677
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$654/mo
Today · 4.125%
HK$21,974
baseline
▲ 0.50% · 4.625%
HK$23,311
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,948/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,003
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,620
−HK$626/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,524
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,123
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$763/mo
Today · 4.125%
HK$25,636
baseline
▲ 0.50% · 4.625%
HK$27,196
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,272/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,837
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$731/mo
Today · 4.125%
HK$28,287
baseline
▲ 0.50% · 4.625%
HK$29,778
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,574/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,015
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,980
−HK$980/mo
Today · 4.125%
HK$32,960
baseline
▲ 0.50% · 4.625%
HK$34,966
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,920/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,504
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,430
−HK$938/mo
Today · 4.125%
HK$36,368
baseline
▲ 0.50% · 4.625%
HK$38,285
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,736/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,696 · 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).