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$17,479
−HK$1,096/mo
▼ 0.25% · 3.875%
HK$18,023
−HK$552/mo
Today · 4.125%
HK$18,575
baseline
▲ 0.50% · 4.625%
HK$19,705
+HK$1,130/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$37,150/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,445
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$19,967
−HK$529/mo
Today · 4.125%
HK$20,496
baseline
▲ 0.50% · 4.625%
HK$21,576
+HK$1,080/mo
Deposit HK$3.83M · loan HK$3.83M · min. income ≈ HK$40,992/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$229,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,975
−HK$1,315/mo
▼ 0.25% · 3.875%
HK$21,627
−HK$663/mo
Today · 4.125%
HK$22,290
baseline
▲ 0.50% · 4.625%
HK$23,646
+HK$1,356/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$44,580/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$635/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,296/mo
Deposit HK$3.07M · loan HK$4.60M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$229,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,470
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,232
−HK$773/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,587
+HK$1,582/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,223
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,953
−HK$741/mo
Today · 4.125%
HK$28,694
baseline
▲ 0.50% · 4.625%
HK$30,206
+HK$1,512/mo
Deposit HK$2.30M · loan HK$5.37M · min. income ≈ HK$57,388/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$229,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,462
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,441
−HK$994/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,469
+HK$2,034/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,001
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$952/mo
Today · 4.125%
HK$36,892
baseline
▲ 0.50% · 4.625%
HK$38,837
+HK$1,945/mo
Deposit HK$767K · loan HK$6.90M · min. income ≈ HK$73,784/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$229,960 · 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).