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$17,247
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$545/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,444
+HK$1,116/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,656/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,187
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,702
−HK$522/mo
Today · 4.125%
HK$20,224
baseline
▲ 0.50% · 4.625%
HK$21,290
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,448/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,696
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,340
−HK$654/mo
Today · 4.125%
HK$21,994
baseline
▲ 0.50% · 4.625%
HK$23,332
+HK$1,338/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$43,988/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,024
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$626/mo
Today · 4.125%
HK$24,268
baseline
▲ 0.50% · 4.625%
HK$25,548
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,536/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$763/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,582
−HK$731/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$29,805
+HK$1,492/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$226,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,044
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,010
−HK$981/mo
Today · 4.125%
HK$32,991
baseline
▲ 0.50% · 4.625%
HK$34,999
+HK$2,008/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$65,982/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,537
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,463
−HK$939/mo
Today · 4.125%
HK$36,402
baseline
▲ 0.50% · 4.625%
HK$38,321
+HK$1,919/mo
Deposit HK$756K · loan HK$6.81M · min. income ≈ HK$72,804/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,908 · 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).