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$17,355
−HK$1,089/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$549/mo
Today · 4.125%
HK$18,444
baseline
▲ 0.50% · 4.625%
HK$19,566
+HK$1,122/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$36,888/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,308
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,825
−HK$526/mo
Today · 4.125%
HK$20,351
baseline
▲ 0.50% · 4.625%
HK$21,424
+HK$1,073/mo
Deposit HK$3.81M · loan HK$3.81M · min. income ≈ HK$40,702/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$228,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,826
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,474
−HK$658/mo
Today · 4.125%
HK$22,132
baseline
▲ 0.50% · 4.625%
HK$23,479
+HK$1,347/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$44,264/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,169
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$23,791
−HK$630/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,708
+HK$1,287/mo
Deposit HK$3.04M · loan HK$4.57M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$228,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,298
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,053
−HK$768/mo
Today · 4.125%
HK$25,821
baseline
▲ 0.50% · 4.625%
HK$27,392
+HK$1,571/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$51,642/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,031
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,756
−HK$735/mo
Today · 4.125%
HK$28,491
baseline
▲ 0.50% · 4.625%
HK$29,993
+HK$1,502/mo
Deposit HK$2.28M · loan HK$5.33M · min. income ≈ HK$56,982/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$228,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,240
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,211
−HK$988/mo
Today · 4.125%
HK$33,199
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$2,020/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$66,398/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,754
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,686
−HK$945/mo
Today · 4.125%
HK$36,631
baseline
▲ 0.50% · 4.625%
HK$38,562
+HK$1,931/mo
Deposit HK$761K · loan HK$6.85M · min. income ≈ HK$73,262/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$228,335 · 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).