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$17,540
−HK$1,099/mo
▼ 0.25% · 3.875%
HK$18,085
−HK$554/mo
Today · 4.125%
HK$18,639
baseline
▲ 0.50% · 4.625%
HK$19,774
+HK$1,135/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$37,278/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,054/mo
▼ 0.25% · 3.875%
HK$20,036
−HK$531/mo
Today · 4.125%
HK$20,567
baseline
▲ 0.50% · 4.625%
HK$21,651
+HK$1,084/mo
Deposit HK$3.85M · loan HK$3.85M · min. income ≈ HK$41,134/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$230,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,048
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,702
−HK$665/mo
Today · 4.125%
HK$22,367
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,361/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$44,734/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,415
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,043
−HK$637/mo
Today · 4.125%
HK$24,680
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,301/mo
Deposit HK$3.08M · loan HK$4.62M · min. income ≈ HK$49,360/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$230,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,555
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$776/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,683
+HK$1,588/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,318
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$744/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,311
+HK$1,517/mo
Deposit HK$2.31M · loan HK$5.38M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$230,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,571
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$998/mo
Today · 4.125%
HK$33,551
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$2,042/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$67,102/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,123
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,065
−HK$955/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$38,972
+HK$1,952/mo
Deposit HK$769K · loan HK$6.92M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$1000K (deposit + AVD stamp duty HK$230,759 · 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).