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$17,219
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,755
−HK$544/mo
Today · 4.125%
HK$18,299
baseline
▲ 0.50% · 4.625%
HK$19,413
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,598/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,156
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,670
−HK$521/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,256
+HK$1,065/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,663
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$653/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,295
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,988
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,604
−HK$626/mo
Today · 4.125%
HK$24,230
baseline
▲ 0.50% · 4.625%
HK$25,507
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,460/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,107
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,857
−HK$762/mo
Today · 4.125%
HK$25,619
baseline
▲ 0.50% · 4.625%
HK$27,178
+HK$1,559/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,238/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,819
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,538
−HK$730/mo
Today · 4.125%
HK$28,268
baseline
▲ 0.50% · 4.625%
HK$29,758
+HK$1,490/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,536/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,995
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,959
−HK$979/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,943
+HK$2,005/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,481
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,406
−HK$938/mo
Today · 4.125%
HK$36,344
baseline
▲ 0.50% · 4.625%
HK$38,260
+HK$1,916/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,688/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,545 · 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).