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$17,296
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,834
−HK$546/mo
Today · 4.125%
HK$18,380
baseline
▲ 0.50% · 4.625%
HK$19,499
+HK$1,119/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,760/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,241
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$19,757
−HK$524/mo
Today · 4.125%
HK$20,281
baseline
▲ 0.50% · 4.625%
HK$21,350
+HK$1,069/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,562/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,755
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,090
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$23,709
−HK$628/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,620
+HK$1,283/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,214
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$765/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,566/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,938
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$733/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$29,890
+HK$1,497/mo
Deposit HK$2.28M · loan HK$5.31M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,132
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,101
−HK$984/mo
Today · 4.125%
HK$33,085
baseline
▲ 0.50% · 4.625%
HK$35,098
+HK$2,013/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$66,170/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,634
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,563
−HK$943/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,430
+HK$1,924/mo
Deposit HK$758K · loan HK$6.83M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$227,550 · 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).