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$17,234
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$544/mo
Today · 4.125%
HK$18,315
baseline
▲ 0.50% · 4.625%
HK$19,430
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,630/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,173
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,687
−HK$522/mo
Today · 4.125%
HK$20,209
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,065/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$226,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,681
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$653/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,338/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,744 · 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$25,529
+HK$1,278/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$226,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,128
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$762/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,842
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,562
−HK$731/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$226,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,022
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,987
−HK$980/mo
Today · 4.125%
HK$32,967
baseline
▲ 0.50% · 4.625%
HK$34,973
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,934/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,512
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,437
−HK$939/mo
Today · 4.125%
HK$36,376
baseline
▲ 0.50% · 4.625%
HK$38,294
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,752/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,744 · 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).