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$17,245
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,781
−HK$545/mo
Today · 4.125%
HK$18,326
baseline
▲ 0.50% · 4.625%
HK$19,441
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,652/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,184
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,699
−HK$522/mo
Today · 4.125%
HK$20,221
baseline
▲ 0.50% · 4.625%
HK$21,287
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,442/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,694
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$654/mo
Today · 4.125%
HK$21,991
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,338/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,982/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$626/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,544
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,142
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$763/mo
Today · 4.125%
HK$25,656
baseline
▲ 0.50% · 4.625%
HK$27,217
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,312/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,858
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,579
−HK$730/mo
Today · 4.125%
HK$28,309
baseline
▲ 0.50% · 4.625%
HK$29,801
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,618/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,006
−HK$981/mo
Today · 4.125%
HK$32,987
baseline
▲ 0.50% · 4.625%
HK$34,994
+HK$2,007/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,974/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,532
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,458
−HK$940/mo
Today · 4.125%
HK$36,398
baseline
▲ 0.50% · 4.625%
HK$38,316
+HK$1,918/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,796/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,877 · 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).