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$17,218
−HK$1,079/mo
▼ 0.25% · 3.875%
HK$17,753
−HK$544/mo
Today · 4.125%
HK$18,297
baseline
▲ 0.50% · 4.625%
HK$19,411
+HK$1,114/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,594/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,154
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$19,668
−HK$521/mo
Today · 4.125%
HK$20,189
baseline
▲ 0.50% · 4.625%
HK$21,253
+HK$1,064/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,378/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$226,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,661
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,304
−HK$653/mo
Today · 4.125%
HK$21,957
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,336/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$43,914/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,985
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$625/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,504
+HK$1,277/mo
Deposit HK$3.02M · loan HK$4.53M · min. income ≈ HK$48,454/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$226,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,105
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,854
−HK$762/mo
Today · 4.125%
HK$25,616
baseline
▲ 0.50% · 4.625%
HK$27,175
+HK$1,559/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$51,232/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,816
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,535
−HK$730/mo
Today · 4.125%
HK$28,265
baseline
▲ 0.50% · 4.625%
HK$29,755
+HK$1,490/mo
Deposit HK$2.27M · loan HK$5.29M · min. income ≈ HK$56,530/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$226,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,956
−HK$979/mo
Today · 4.125%
HK$32,935
baseline
▲ 0.50% · 4.625%
HK$34,939
+HK$2,004/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$65,870/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,403
−HK$938/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,256
+HK$1,915/mo
Deposit HK$755K · loan HK$6.80M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$226,522 · 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).