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$17,261
−HK$1,082/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$545/mo
Today · 4.125%
HK$18,343
baseline
▲ 0.50% · 4.625%
HK$19,460
+HK$1,117/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$36,686/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,203
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$19,718
−HK$522/mo
Today · 4.125%
HK$20,240
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,067/mo
Deposit HK$3.78M · loan HK$3.78M · min. income ≈ HK$40,480/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,713
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,358
−HK$654/mo
Today · 4.125%
HK$22,012
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,024/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,043
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,661
−HK$627/mo
Today · 4.125%
HK$24,288
baseline
▲ 0.50% · 4.625%
HK$25,568
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,576/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,165
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$764/mo
Today · 4.125%
HK$25,681
baseline
▲ 0.50% · 4.625%
HK$27,243
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,362/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,884
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,605
−HK$731/mo
Today · 4.125%
HK$28,336
baseline
▲ 0.50% · 4.625%
HK$29,830
+HK$1,494/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,672/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,070
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,036
−HK$982/mo
Today · 4.125%
HK$33,018
baseline
▲ 0.50% · 4.625%
HK$35,027
+HK$2,009/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,036/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,565
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$940/mo
Today · 4.125%
HK$36,432
baseline
▲ 0.50% · 4.625%
HK$38,353
+HK$1,921/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,864/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,094 · 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).