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$17,249
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$545/mo
Today · 4.125%
HK$18,330
baseline
▲ 0.50% · 4.625%
HK$19,446
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,660/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,189
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,703
−HK$523/mo
Today · 4.125%
HK$20,226
baseline
▲ 0.50% · 4.625%
HK$21,292
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,452/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,698
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$654/mo
Today · 4.125%
HK$21,996
baseline
▲ 0.50% · 4.625%
HK$23,335
+HK$1,339/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,992/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,027
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,644
−HK$627/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,550
+HK$1,279/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$763/mo
Today · 4.125%
HK$25,662
baseline
▲ 0.50% · 4.625%
HK$27,224
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,324/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,864
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,585
−HK$731/mo
Today · 4.125%
HK$28,316
baseline
▲ 0.50% · 4.625%
HK$29,808
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,632/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,047
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,013
−HK$981/mo
Today · 4.125%
HK$32,994
baseline
▲ 0.50% · 4.625%
HK$35,002
+HK$2,008/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,988/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,540
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$940/mo
Today · 4.125%
HK$36,406
baseline
▲ 0.50% · 4.625%
HK$38,325
+HK$1,919/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,812/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,930 · 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).