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$17,475
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,019
−HK$552/mo
Today · 4.125%
HK$18,571
baseline
▲ 0.50% · 4.625%
HK$19,701
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,142/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,441
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$19,962
−HK$529/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,571
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,970
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,622
−HK$663/mo
Today · 4.125%
HK$22,285
baseline
▲ 0.50% · 4.625%
HK$23,641
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,570/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$634/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,297/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,465
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$773/mo
Today · 4.125%
HK$25,999
baseline
▲ 0.50% · 4.625%
HK$27,581
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$51,998/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,217
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$741/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,200
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.36M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,455
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,434
−HK$994/mo
Today · 4.125%
HK$33,428
baseline
▲ 0.50% · 4.625%
HK$35,462
+HK$2,034/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$66,856/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,993
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,932
−HK$952/mo
Today · 4.125%
HK$36,884
baseline
▲ 0.50% · 4.625%
HK$38,828
+HK$1,944/mo
Deposit HK$766K · loan HK$6.90M · min. income ≈ HK$73,768/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,910 · 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).