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$17,348
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,888
−HK$548/mo
Today · 4.125%
HK$18,436
baseline
▲ 0.50% · 4.625%
HK$19,558
+HK$1,122/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$36,872/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,300
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$525/mo
Today · 4.125%
HK$20,343
baseline
▲ 0.50% · 4.625%
HK$21,415
+HK$1,072/mo
Deposit HK$3.80M · loan HK$3.80M · min. income ≈ HK$40,686/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,818
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,466
−HK$658/mo
Today · 4.125%
HK$22,124
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,346/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$44,248/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,160
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$630/mo
Today · 4.125%
HK$24,411
baseline
▲ 0.50% · 4.625%
HK$25,698
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.56M · min. income ≈ HK$48,822/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$768/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,381
+HK$1,570/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,020
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,745
−HK$735/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,501/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,227
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,199
−HK$986/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$35,205
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,740
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,672
−HK$945/mo
Today · 4.125%
HK$36,617
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$1,930/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,234/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,244 · 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).