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$17,168
−HK$1,076/mo
▼ 0.25% · 3.875%
HK$17,702
−HK$542/mo
Today · 4.125%
HK$18,244
baseline
▲ 0.50% · 4.625%
HK$19,354
+HK$1,110/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,488/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,099
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$520/mo
Today · 4.125%
HK$20,131
baseline
▲ 0.50% · 4.625%
HK$21,192
+HK$1,061/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,262/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,601
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$651/mo
Today · 4.125%
HK$21,893
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,332/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$43,786/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$624/mo
Today · 4.125%
HK$24,157
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.52M · min. income ≈ HK$48,314/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$225,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,035
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,782
−HK$760/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,554/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$728/mo
Today · 4.125%
HK$28,183
baseline
▲ 0.50% · 4.625%
HK$29,668
+HK$1,485/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,366/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,902
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,863
−HK$977/mo
Today · 4.125%
HK$32,840
baseline
▲ 0.50% · 4.625%
HK$34,838
+HK$1,998/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$65,680/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,378
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,300
−HK$935/mo
Today · 4.125%
HK$36,235
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$1,910/mo
Deposit HK$753K · loan HK$6.78M · min. income ≈ HK$72,470/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$225,865 · 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).