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$17,434
−HK$1,093/mo
▼ 0.25% · 3.875%
HK$17,976
−HK$551/mo
Today · 4.125%
HK$18,527
baseline
▲ 0.50% · 4.625%
HK$19,654
+HK$1,127/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$37,054/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,395
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$527/mo
Today · 4.125%
HK$20,442
baseline
▲ 0.50% · 4.625%
HK$21,520
+HK$1,078/mo
Deposit HK$3.82M · loan HK$3.82M · min. income ≈ HK$40,884/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$229,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,920
−HK$1,312/mo
▼ 0.25% · 3.875%
HK$21,571
−HK$661/mo
Today · 4.125%
HK$22,232
baseline
▲ 0.50% · 4.625%
HK$23,585
+HK$1,353/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$44,464/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,274
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$23,898
−HK$633/mo
Today · 4.125%
HK$24,531
baseline
▲ 0.50% · 4.625%
HK$25,824
+HK$1,293/mo
Deposit HK$3.06M · loan HK$4.59M · min. income ≈ HK$49,062/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$229,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,407
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,166
−HK$771/mo
Today · 4.125%
HK$25,937
baseline
▲ 0.50% · 4.625%
HK$27,516
+HK$1,579/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$51,874/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,152
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,881
−HK$738/mo
Today · 4.125%
HK$28,619
baseline
▲ 0.50% · 4.625%
HK$30,128
+HK$1,509/mo
Deposit HK$2.29M · loan HK$5.35M · min. income ≈ HK$57,238/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$229,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,356
−HK$992/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$2,029/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,910
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$949/mo
Today · 4.125%
HK$36,796
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$1,940/mo
Deposit HK$765K · loan HK$6.88M · min. income ≈ HK$73,592/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$229,363 · 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).