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$17,269
−HK$1,083/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$546/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,468
+HK$1,116/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,211
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$522/mo
Today · 4.125%
HK$20,249
baseline
▲ 0.50% · 4.625%
HK$21,317
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,498/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,722
−HK$1,300/mo
▼ 0.25% · 3.875%
HK$21,367
−HK$655/mo
Today · 4.125%
HK$22,022
baseline
▲ 0.50% · 4.625%
HK$23,362
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,044/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,054
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,672
−HK$627/mo
Today · 4.125%
HK$24,299
baseline
▲ 0.50% · 4.625%
HK$25,580
+HK$1,281/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,598/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,176
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$764/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,256
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$732/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,084
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$982/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$2,010/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$941/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$1,921/mo
Deposit HK$757K · loan HK$6.82M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,195 · 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).