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$17,264
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$545/mo
Today · 4.125%
HK$18,346
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,692/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$522/mo
Today · 4.125%
HK$20,243
baseline
▲ 0.50% · 4.625%
HK$21,310
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,486/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,716
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,361
−HK$654/mo
Today · 4.125%
HK$22,015
baseline
▲ 0.50% · 4.625%
HK$23,355
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,030/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,047
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,665
−HK$627/mo
Today · 4.125%
HK$24,292
baseline
▲ 0.50% · 4.625%
HK$25,572
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,584/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,169
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,921
−HK$764/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,563/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,888
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$732/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$29,834
+HK$1,493/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,075
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$982/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$35,033
+HK$2,010/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,570
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$941/mo
Today · 4.125%
HK$36,438
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$1,920/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,876/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,128 · 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).