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$17,235
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$545/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,173
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,688
−HK$521/mo
Today · 4.125%
HK$20,209
baseline
▲ 0.50% · 4.625%
HK$21,275
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,418/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,682
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$654/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,625
−HK$626/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,129
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$763/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,843
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,563
−HK$730/mo
Today · 4.125%
HK$28,293
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,586/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,023
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,987
−HK$981/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,974
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,512
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$939/mo
Today · 4.125%
HK$36,377
baseline
▲ 0.50% · 4.625%
HK$38,294
+HK$1,917/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,754/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,748 · 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).