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$1,080/mo
▼ 0.25% · 3.875%
HK$17,772
−HK$544/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,431
+HK$1,115/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$226,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,689
−HK$521/mo
Today · 4.125%
HK$20,210
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,420/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,683
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$654/mo
Today · 4.125%
HK$21,980
baseline
▲ 0.50% · 4.625%
HK$23,317
+HK$1,337/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$226,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,009
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$626/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,531
+HK$1,279/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,130
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$763/mo
Today · 4.125%
HK$25,643
baseline
▲ 0.50% · 4.625%
HK$27,203
+HK$1,560/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,286/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,844
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,564
−HK$730/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$29,786
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,024
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,989
−HK$980/mo
Today · 4.125%
HK$32,969
baseline
▲ 0.50% · 4.625%
HK$34,975
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,938/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,514
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,439
−HK$939/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,758 · 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).