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$1,083/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$546/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,463
+HK$1,116/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,694/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$19,721
−HK$523/mo
Today · 4.125%
HK$20,244
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,067/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,488/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$227,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,717
−HK$1,299/mo
▼ 0.25% · 3.875%
HK$21,361
−HK$655/mo
Today · 4.125%
HK$22,016
baseline
▲ 0.50% · 4.625%
HK$23,356
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$44,032/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,047
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,666
−HK$627/mo
Today · 4.125%
HK$24,293
baseline
▲ 0.50% · 4.625%
HK$25,573
+HK$1,280/mo
Deposit HK$3.03M · loan HK$4.54M · min. income ≈ HK$48,586/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,170
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$764/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,562/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$731/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,494/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$227,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,076
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$982/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$35,034
+HK$2,010/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,571
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,498
−HK$941/mo
Today · 4.125%
HK$36,439
baseline
▲ 0.50% · 4.625%
HK$38,360
+HK$1,921/mo
Deposit HK$757K · loan HK$6.81M · min. income ≈ HK$72,878/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$227,135 · 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).