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$17,236
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$545/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$522/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,683
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$653/mo
Today · 4.125%
HK$21,980
baseline
▲ 0.50% · 4.625%
HK$23,318
+HK$1,338/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,960/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,010
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,627
−HK$626/mo
Today · 4.125%
HK$24,253
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,506/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,881
−HK$763/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$27,204
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,845
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,565
−HK$730/mo
Today · 4.125%
HK$28,295
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,590/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,025
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,990
−HK$981/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,977
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,515
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,441
−HK$939/mo
Today · 4.125%
HK$36,380
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,760/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,766 · 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).