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$17,259
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$545/mo
Today · 4.125%
HK$18,341
baseline
▲ 0.50% · 4.625%
HK$19,457
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,682/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,715
−HK$523/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,304
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,711
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,355
−HK$654/mo
Today · 4.125%
HK$22,009
baseline
▲ 0.50% · 4.625%
HK$23,349
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,018/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,040
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,658
−HK$627/mo
Today · 4.125%
HK$24,285
baseline
▲ 0.50% · 4.625%
HK$25,565
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,570/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$227,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$764/mo
Today · 4.125%
HK$25,678
baseline
▲ 0.50% · 4.625%
HK$27,240
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,356/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$732/mo
Today · 4.125%
HK$28,333
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,666/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,066
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$982/mo
Today · 4.125%
HK$33,014
baseline
▲ 0.50% · 4.625%
HK$35,023
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,028/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,561
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,487
−HK$941/mo
Today · 4.125%
HK$36,428
baseline
▲ 0.50% · 4.625%
HK$38,348
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,856/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,065 · 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).