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$17,236
−HK$1,081/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$544/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,432
+HK$1,115/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,175
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$19,690
−HK$521/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,277
+HK$1,066/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$226,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,684
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,327
−HK$654/mo
Today · 4.125%
HK$21,981
baseline
▲ 0.50% · 4.625%
HK$23,318
+HK$1,337/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$43,962/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,010
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,628
−HK$626/mo
Today · 4.125%
HK$24,254
baseline
▲ 0.50% · 4.625%
HK$25,532
+HK$1,278/mo
Deposit HK$3.02M · loan HK$4.54M · min. income ≈ HK$48,508/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$762/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,561/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$730/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,491/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,026
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,991
−HK$980/mo
Today · 4.125%
HK$32,971
baseline
▲ 0.50% · 4.625%
HK$34,977
+HK$2,006/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$65,942/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,516
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,441
−HK$939/mo
Today · 4.125%
HK$36,380
baseline
▲ 0.50% · 4.625%
HK$38,298
+HK$1,918/mo
Deposit HK$756K · loan HK$6.80M · min. income ≈ HK$72,760/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$226,770 · 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).