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$17,279
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,817
−HK$546/mo
Today · 4.125%
HK$18,363
baseline
▲ 0.50% · 4.625%
HK$19,480
+HK$1,117/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$36,726/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,223
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$19,739
−HK$523/mo
Today · 4.125%
HK$20,262
baseline
▲ 0.50% · 4.625%
HK$21,330
+HK$1,068/mo
Deposit HK$3.79M · loan HK$3.79M · min. income ≈ HK$40,524/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$227,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,735
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,380
−HK$656/mo
Today · 4.125%
HK$22,036
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,340/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$44,072/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$23,686
−HK$628/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,596
+HK$1,282/mo
Deposit HK$3.03M · loan HK$4.55M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$227,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,191
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$764/mo
Today · 4.125%
HK$25,708
baseline
▲ 0.50% · 4.625%
HK$27,272
+HK$1,564/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$51,416/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,634
−HK$732/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,496/mo
Deposit HK$2.27M · loan HK$5.30M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$227,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,070
−HK$983/mo
Today · 4.125%
HK$33,053
baseline
▲ 0.50% · 4.625%
HK$35,065
+HK$2,012/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$66,106/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,602
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,530
−HK$941/mo
Today · 4.125%
HK$36,471
baseline
▲ 0.50% · 4.625%
HK$38,393
+HK$1,922/mo
Deposit HK$758K · loan HK$6.82M · min. income ≈ HK$72,942/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$227,335 · 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).