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$17,152
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$17,685
−HK$542/mo
Today · 4.125%
HK$18,227
baseline
▲ 0.50% · 4.625%
HK$19,336
+HK$1,109/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$36,454/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,081
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$19,593
−HK$519/mo
Today · 4.125%
HK$20,112
baseline
▲ 0.50% · 4.625%
HK$21,172
+HK$1,060/mo
Deposit HK$3.76M · loan HK$3.76M · min. income ≈ HK$40,224/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$225,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,582
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$651/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,331/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,897
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,511
−HK$623/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,273/mo
Deposit HK$3.01M · loan HK$4.51M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$225,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,012
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,759
−HK$759/mo
Today · 4.125%
HK$25,518
baseline
▲ 0.50% · 4.625%
HK$27,071
+HK$1,553/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$51,036/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,714
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,430
−HK$727/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,641
+HK$1,484/mo
Deposit HK$2.26M · loan HK$5.27M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$225,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,873
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,833
−HK$976/mo
Today · 4.125%
HK$32,809
baseline
▲ 0.50% · 4.625%
HK$34,806
+HK$1,997/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$65,618/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,346
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,267
−HK$935/mo
Today · 4.125%
HK$36,202
baseline
▲ 0.50% · 4.625%
HK$38,110
+HK$1,908/mo
Deposit HK$752K · loan HK$6.77M · min. income ≈ HK$72,404/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$225,656 · 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).